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An indemnity agreement is a legal contract where one party agrees to compensate another for specific losses or liabilities. These agreements are common in business transactions, construction projects, and insurance policies to define financial protection terms.
A premium is the amount paid for coverage, while a deductible is the out-of-pocket cost a policyholder must pay before insurance benefits apply.
The FCA requires firms to follow ethical sales practices, provide adequate information, and assess customers’ needs before selling insurance. Mis-selling, pressure tactics, and misleading advertising are prohibited, and firms must maintain transparent communication.
Yes, it covers the costs of defending against a lawsuit, including attorney fees, court costs, and other legal expenses, even if the claim is found to be unfounded.
Depending on the cash value, the policy may convert to a paid-up policy, use cash value to cover payments, or lapse.
The individual out-of-pocket maximum applies to each person under a plan. A family out-of-pocket maximum applies to all covered individuals combined. Once the family limit is reached, all covered members receive 100% coverage, even if not every individual has met their personal limit.
If no beneficiary is designated, benefits may be paid to the policyholder’s estate, legal heirs, or follow the insurance company’s default policy on unclaimed benefits.
It standardized marine underwriting, introduced policies covering war and piracy risks, and set benchmarks for modern maritime insurance.
Get in-depth market research for Insurance companies in United States, New York, New York City. Our experts analyze trends, gather valuable insights, and identify key opportunities to drive your business growth.