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If a premium is paid during the grace period, the premium is considered to have been paid on time. Casualty — Liability or loss resulting from an accident. Loss Control —The use of appropriate insurance, avoidance of risk, loss control, risk retention, self insuring, and other techniques that minimize the risks of a business, individual, or organization. Public adjusters work for the insured in the settlement of claims and receive a percentage of the claim as their fee. Benefits include paid hospital expenses, medical expenses, surgical expenses and income payments. Elimination Period — The time that must pass after filing a claim before a policyholder can collect insurance benefits.



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