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The process by which insurers assess the risks associated with insuring a person or asset and decide the terms of the insurance.

The amount of money charged by the insurance company for the coverage provided by the policy.

The amount of money that the insured must pay out-of-pocket before the insurance company pays a claim.

A professional who evaluates the damage, determines the insurer's liability and settles the claim with the insured or a claimant.

The individual or entity who owns an insurance policy and is entitled to its benefits.

A person or entity designated in a policy to receive the insurance benefits in the event the insured event occurs.

A professional who represents consumers in their search for insurance products that fit their needs, and often acts as an intermediary between the consumer and the insurer.

Specific conditions or circumstances that are not covered by the insurance policy, stated in the policy's terms and conditions.

An amendment or addition to an insurance policy that either expands or restricts the benefits payable under the policy.