| Acknowledgments | p. vii |
| Introduction | p. ix |
| Principles of Property and Casualty Insurance | p. 1 |
| The Purpose of Property and Casualty Insurance | p. 3 |
| History of Insurance | p. 4 |
| The Role of Insurance: Costs and Benefits | p. 5 |
| Concept of Risk Management | p. 6 |
| Fundamental Insurance Concepts | p. 9 |
| The Insurance Industry | p. 19 |
| Regulation of the Insurance Industry | p. 20 |
| Licensing of Agents, Brokers and Producers | p. 23 |
| Organization of the Insurance Industry | p. 25 |
| Marketing and Distribution | p. 27 |
| Insurance Company Operations | p. 28 |
| Contract Law and the Insurance Industry | p. 41 |
| Applications for Insurance | p. 42 |
| Parts of an Insurance Policy | p. 45 |
| General Contract Law | p. 47 |
| Special Legal Characteristics of Insurance Policies as Contracts | p. 49 |
| Insurance Contract Provisions | p. 51 |
| Contract Terms and Definitions | p. 61 |
| Types of Insurance | p. 61 |
| Provisions Common to Property and Casualty Insurance | p. 63 |
| Property Insurance Policy Provisions | p. 67 |
| Liability Insurance Policy Provisions | p. 72 |
| Principles of Casualty Insurance | p. 81 |
| Commercial General Liability Insurance | p. 83 |
| General Liability | p. 84 |
| General Liability Policies | p. 87 |
| Commercial General Liability Policy | p. 92 |
| Professional Liability Insurance and Umbrella Policies | p. 111 |
| Duties of Professionals | p. 112 |
| Types of Professional Liability Insurance | p. 113 |
| Other Professional Liability Policies | p. 118 |
| Umbrella Liability Policies | p. 125 |
| Workers' Compensation | p. 135 |
| Workers' Compensation | p. 136 |
| Workers' Compensation and Employers' Liability Policy | p. 143 |
| Crime Insurance | p. 155 |
| Commercial Crime Insurance | p. 156 |
| Crime General Provisions | p. 158 |
| Crime General Exclusions | p. 159 |
| Crime Coverage Forms | p. 159 |
| General Conditions | p. 166 |
| General Exclusions for Commercial Crime Insurance | p. 168 |
| Surety Bonds | p. 177 |
| Surety Bonds | p. 178 |
| Types of Bonds | p. 181 |
| Personal Automobile Insurance | p. 189 |
| Compensation of Auto Accident Victims | p. 189 |
| Overview of the Personal Automobile Policy (PAP) | p. 191 |
| Personal Automobile Policy | p. 195 |
| Endorsements to the Personal Auto Policy | p. 209 |
| Commercial Automobile and Garage Liability Insurance | p. 217 |
| Commercial Auto Coverages | p. 218 |
| The Garage Policy | p. 228 |
| Principles of Property Insurance | p. 241 |
| Homeowners Policies | p. 243 |
| Homeowners Coverage | p. 244 |
| Endorsements to Section II | p. 262 |
| Endorsements to Section I and Section II | p. 262 |
| Mobile Home Insurance | p. 263 |
| Dwelling Policies | p. 271 |
| Dwelling Coverage | p. 272 |
| Marine Insurance and Commercial Floaters | p. 283 |
| Commercial Ocean Marine Insurance | p. 284 |
| The Ocean Marine Open Cargo Policy | p. 286 |
| Inland Marine Insurance | p. 287 |
| Exclusions in Inland Marine Policies | p. 293 |
| Difference in Conditions Contract (DIC) | p. 295 |
| Other Inland Marine Policies | p. 295 |
| Personal Property Coverage Forms | p. 296 |
| Unscheduled Personal Property Floaters | p. 298 |
| Watercraft | p. 298 |
| Commercial Property Insurance | p. 307 |
| Commercial Package Policies | p. 308 |
| Conditions | p. 314 |
| Business Income Coverage Form | p. 318 |
| Cause of Loss Forms | p. 327 |
| Cause of Loss-Basic Form | p. 328 |
| Endorsements to Commercial Property Forms | p. 335 |
| Builder's Risk Coverage Form | p. 338 |
| Businessowners Policy | p. 347 |
| Purpose and Characteristics | p. 348 |
| Perils Insured against and Exclusions | p. 354 |
| Boiler and Machinery Insurance | p. 367 |
| Policy Forms | p. 367 |
| Boiler and Machinery Policies for Small Businesses | p. 372 |
| National Flood Insurance | p. 379 |
| Eligibility | p. 379 |
| Policy Forms and Provisions | p. 381 |
| Farm Coverage | p. 393 |
| The Farm Policy | p. 394 |
| Coverage Extensions | p. 400 |
| Covered Causes of Loss | p. 401 |
| Farm Liability Coverage Form | p. 408 |
| Property and Casualty Final Exams | p. 419 |
| Casualty Insurance Final Exam Questions | p. 420 |
| Casualty Insurance Answers and Rationale | p. 433 |
| Property Insurance Final Exam Questions | p. 442 |
| Property Insurance Answers and Rationale | p. 454 |
| Glossary | p. 463 |
| Comparison of 1994 and 1998 ISO Personal Automobile Policy | p. 483 |
| Comparison of Homeowners Forms | p. 485 |
| Index | p. 487 |
| Table of Contents provided by Syndetics. All Rights Reserved. |