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Additions or changes to a rented premises by a tenant at his own expense. Also called Tenant's Improvements.

Malicious setting on fire or preparing, providing and setting the means for fire to start.

The date and time on which coverage under an insurance policy takes effect.

To provide compensation for loss or expenses incurred.

A contract, expressed or implied, to repay in the event of a loss. Insured neither gains nor loses.

The policy period.

One who adjusts losses on behalf of insurance companies, but is not employed by any one insurance company.

Easily set on fire.

Insurance policy which is in effect, and has not expired or been cancelled.

The quality that something has to deteriorate or damage itself without outside help, e.g., milk sours; coal combusts spontaneously.

An interest which the insured must have in the subject matter of the insurance he buys so that if the event insured against occurs, the insured will suffer a pecuniary loss.

A contract in which one party, the insurer, for monetary consideration agrees to reimburse another, the insured, for loss or liability for a loss on a defined subject caused by specified hazards or perils.

A written contract of insurance.

The entity (individual or otherwise) whose risk of financial loss from an insured peril is protected by the insurance policy.

The company providing the insurance coverage.

Describes the intent of the policy, just what insurance coverage is provided by the policy and in what limits.

1) The agent/broker negotiating insurance or reinsurance contracts for another.
2) Any party representing another party, in negotiation with a third party.

Itemized list of goods and property on hand.