which policy is typically added as an endorsement to another policy
additional insured
13627774
Additional insured In US insurance policies, an additional insured is a person or organization that enjoys the benefits of being insured under an insurance policy, in addition to whoever originally purchased the insurance policy. The term generally applies within liability insurance and property insurance, but is an element of other policies as well. Most often it applies where the original named insured needs to provide insurance coverage to additional parties so that they enjoy protection from a new risk that arises out of the original named insured's conduct or operations. An additional insured often gains this status by means of
Additional insured
13627775
an endorsement added to the policy which either identifies the additional party by name or by a general description contained in a "blanket additional insured endorsement." For instance, in vehicle insurance a typical Personal Auto Policy will cover not only the original named insured that purchased the auto policy, but will also cover additional persons while they are driving the auto with permission of the named insured. This is a simple type of blanket additional insurance arrangement, because it does not identify the additional insured by name, but by a "blanket" general description that will automatically apply to many persons.
Additional insured
2893799
and damages suffered if the title is unmarketable. The policy also provides coverage for loss if there is no right of access to the land. Although these are the basic coverages, expanded forms of residential owner's policies exist that cover additional items of loss. The liability limit of the owner's policy is typically the purchase price paid for the property. As with other types of insurance, coverages can also be added or deleted with an endorsement. There are many forms of standard endorsements to cover a variety of common issues. The premium for the policy may be paid by the
Title insurance
2893805
states. ALTA also offers special endorsement forms for the various policies; endorsements amend and typically broaden the coverage given under a basic title insurance policy. ALTA does not issue title insurance; it provides standardized policy and endorsement forms that most title insurers issue. Some states, including Texas and New York, may mandate the use of forms of title insurance policy jackets and endorsements approved by the state insurance commissioner for properties located in those jurisdictions, but these forms are usually similar or identical to ALTA forms. In addition to ALTA, the National Association of Independent Land Title Agents (NAILTA) is
Title insurance
18844771
good for America." He pointed to a letter signed in September by another group of economists, 305 in total, including one Nobel laureate and two former directors of the non-partisan Congressional Budget Office which stated "Hillary Clinton's economic agenda is wrong for America." Navarro's short 4-page political endorsement of the Trump economic platform was met with sharp criticism on nearly all ten summarized points by economists and the press, which included his review of the border adjustment tax, criticism of China trade policy, criticism of German trade policy, criticism of manufacturing policy, opposition to NAFTA, repatriation of global supply chains,
Donald Trump 2016 presidential campaign
12485140
homeowners policy that covers damage to exterior underground service lines, which includes water piping, sewer lines, power lines and more. Home Systems Protection – An endorsement to a homeowners policy that covers HVAC systems, appliances, electronics and more. Identity Management Protection – An endorsement to a homeowners, condo or renters policy that help protect a person’s identity from fraudsters. Mercury Insurance helps educate consumers about insurance by publishing insurance articles on its blog. These articles discuss a variety of topics, including: how insurance protects homeowners, renters and their property, how to save money and reduce debt through proper budgeting; insurance
Mercury General
14789421
businesses, as it is designed to put a business in the same financial position it would have been in if no loss had occurred. This type of coverage is not sold as a stand-alone policy, but can be added onto the business' property insurance policy or comprehensive package policy such as a business owner's policy (BOP). Since business interruption is included as part of the business' primary policy, it only pays out if the cause of the loss is covered by the overarching policy. The following are typically covered under a business interruption insurance policy: This coverage extends until the
Business interruption insurance
18355685
was leading the party, Benn launched an eight-month campaign for the position of Labour leader in 1988, which Kinnock won on 2 October with 88.6% of the vote and interpreted as an endorsement of the Policy Review. On the next day the Labour conference endorsed the Policy Review by a margin of 5 to 1. Labour's National Executive Committee voted to endorse the defence policy review on 9 May 1989 by 17 votes to 8. This committed Labour to multilateral nuclear disarmament. At the Labour conference in October 1989, the Policy Review documents were endorsed with big majorities. Policy Review
Policy Review (Labour Party)
2021105
level of inflation. A low output growth rate will result in inflation that would be higher than the desired level. While monetary policy typically focuses on a price signal of one form or another, this approach is focused on monetary quantities. As these quantities could have a role on the economy and business cycles depending on the households' risk aversion level, money is sometimes explicitly added in the central bank's reaction function. Recently, however, central banks are shifting away from policies that focus on money supply targeting, because of the uncertainty that real output growth introduces. Some central banks, like
Monetary policy
2669598
typically results in the window being raised above all other windows on screen. If a clickfocus model such as this is being used, the current application window continues to retain focus and collect input, even if the mouse pointer is over another application window. Another common policy on Unix systems using X Window System (X11) is the "focus follows mouse" policy (or FFM), where the focus automatically follows the current placement of the pointer. The focused window is not necessarily raised; parts of it may remain below other windows. Window managers with this policy usually offer "autoraise," which raises the
Focus (computing)
8709853
Employees must read and sign the acceptable use policy prior to requesting an account.” User account policy A user account policy is a document which outlines the requirements for requesting and maintaining an account on computer systems or networks, typically within an organization. It is very important for large sites where users typically have accounts on many systems. Some sites have users read and sign an account policy as part of the account request process. Some example wording: “Employees shall only request/receive accounts on systems they have a true business need to access. Employees may only have one official account
User account policy
2353966
also allow premiums to be paid over as much as ten years. "Riders" are modifications to the insurance policy added at the same time the policy is issued. These riders change the basic policy to provide some feature desired by the policy owner. A common rider is "accidental death" (see above). Another common rider is a "premium waiver", which waives future premiums if the insured becomes disabled. "Joint life insurance" is either term or permanent life insurance that insures two or more persons, with proceeds payable on the death of "either". These are unique insurance plans which are basically a
Life insurance
8079868
and Governance which is interdisciplinary in nature. The Jindal School of Government and Public Policy in India offers interdisciplinary training in public policy with a focus on the policy making processes in developing and BRIC countries. The Takshashila Institution in India offers a semester-long graduate certificate in public policy instead focusing on developing public policy as an academic discipline in India as well as making public policy education accessible to working professionals. Other programs include: Public policy school Public policy schools are typically university programs which teach students policy analysis, policy studies, public policy, political economy, urban planning, public administration,
Public policy school
15351198
be added to reflect the policy's share of profits which have not yet been distributed. Unitised with-profits policies work in a similar way except that the policy value is expressed as a number of units. Various models have been adopted by different insurers, but typically either: Endowments still retain a basic sum assured (in most cases) although this may be notional rather than a structural part of the policy. Unitised with-profits policies were introduced as a response to competition from unit-linked life policies that became available in the 1970s. The unitised version was somewhat less opaque than the conventional version,
With-profits policy
3877367
for internal communication, as opposed to letters which are typically for external communication. Hence, we can consider memoranda as an upward communication process through which any complaint, issues, opinion, views and suggestion are put forward to theauthorized level. A specific type of memorandum is the policy briefing note (alternatively referred to in various jurisdictions and governing traditions as policy issues paper, policy memoranda, or cabinet submission amongst other terms), a document for transmitting policy analysis into the political decision making sphere. Typically, a briefing note may be denoted as either “for information” or “for decision”. The origins of the term
Memorandum
13022944
ownership of the policy or the policy benefits to another person; or a trust or similar arrangement that is used directly or indirectly for the purpose of purchasing one or more policies for the intended benefit of another person in a manner that violates the insurable interest laws of the state. The main characteristic of a STOLI transaction is that the insurance is purchased solely as an investment vehicle, rather than for the benefit of the policy owner's beneficiaries. STOLI arrangements are typically promoted to consumers between the age of 65 and 85. A STOLI transaction may require the cooperation
Stranger-originated life insurance
10362162
of the commercial property policy or as a separate policy endorsement. "Private insurers cover sewage backup, but won't offer flood protection because the small population base of Canada means it's difficult for the companies to cover the cost of their risk." In the 1980s local governments typically proceeded from flooding to panic to planning, and then to procrastination and the next flood. Environment Canada had a flood damage reduction program from 1975-1998. In 2013 mitigation at the federal level was funded through the Disaster Financial Assistance Arrangements, the Building Canada Fund and Public-Private Partnership Canada. 2011 had a serious flood
History of flooding in Canada
2326373
written documents. Policy documents often come with the endorsement or signature of the executive powers within an organization to legitimize the policy and demonstrate that it is considered in force. Such documents often have standard formats that are particular to the organization issuing the policy. While such formats differ in form, policy documents usually contain certain standard components including : Some policies may contain additional sections, including: The American political scientist Theodore J. Lowi proposed four types of policy, namely distributive, redistributive, regulatory and constituent in his article 'Four systems of Policy, Politics and Choice' and in 'American Business, Public
Policy
8079858
Public policy school Public policy schools are typically university programs which teach students policy analysis, policy studies, public policy, political economy, urban planning, public administration, public affairs, and public management. Public policy schools typically train students in two streams. The more practical stream treats the master's degree as a terminal degree, which trains students to work as policy analysts in governments, think tanks and consulting firms. A more theoretical stream aims to train students who are aiming to go on to complete doctoral studies (e.g., a PhD), with the goal of becoming professors of public policy or researchers. Public policy
Public policy school
9397923
majority. According to former New Zealand diplomat Malcolm Templeton, this bill was a symbolic endorsement by the Democratic-controlled Congress of the Reagan Administration's earlier decision to suspend its defence commitments to New Zealand. The Broomfield Bill also included an amendment added by the Democratic Congressman Stephen J. Solarz that would allow the U.S. President to restore the ANZUS relationship if NZ modified its nuclear-free policy. However, the Broomfield Bill languished in the United States Senate. Following the 1988 US Senate elections, the lame duck 100th Congress dropped a package containing the Broomfield Bill after Senator Edward Kennedy opposed its inclusion.
Foreign policy of the Ronald Reagan administration
8709852
User account policy A user account policy is a document which outlines the requirements for requesting and maintaining an account on computer systems or networks, typically within an organization. It is very important for large sites where users typically have accounts on many systems. Some sites have users read and sign an account policy as part of the account request process. Some example wording: “Employees shall only request/receive accounts on systems they have a true business need to access. Employees may only have one official account per system and the account ID and login name must follow the established standards.
User account policy
474733
amount of the policy is higher. This is in contrast to, for example, life insurance, where the amount of the beneficiary's economic loss is irrelevant. The death of the person whose life is insured for reasons not excluded from the policy obligate the insurer to pay the entire policy amount to the beneficiary. Most business interruption insurance policies contain an Extended Period of Indemnity Endorsement, which extends coverage beyond the time that it takes to physically restore the property. This provision covers additional expenses that allow the business to return to prosperity and help the business restore revenues to pre-loss
Indemnity
15183242
results of which are disseminated to different African countries to help them in policy formulation, implementation of economic development goals and objectives, and capacity building. DCA then received an endorsement for its DotAfrica (.africa) initiative from the UNECA economic grouping which has all the African countries as its member states. DCA also presented and clarified the DotAfrica (.africa) initiative to the African Union Commission and after working closely with AU officials, received an early endorsement in support of its gTLD proposal in 2009. DCA also received other endorsement from key organizations of global public internet such as Internationalized Domain Resolution
DotConnectAfrica
19828607
the endorsement of the major cannabis advocacy groups Drug Policy Alliance and the Marijuana Policy Project, and received only a "tepid endorsement" from NORML. The ballot initiative was defeated 65–35. In June 2016, Governor John Kasich signed House Bill 523, which permits the medical use of marijuana in some cases. The bill, sponsored by state Representative Stephen Huffman, was approved by an 18-15 vote in the state Senate and by a 67-29 vote in the state House. The bill sets up a rulemaking process under which a "state-run or licensed system of growing facilities, testing labs, physician certification, patient registration,
Cannabis in Ohio
18998857
Washington Doctrine of Unstable Alliances The Washington Doctrine of Unstable Alliances, sometimes called the "caution against entangling alliances", is a contemporary term used to describe an early realist United States foreign policy guiding its interaction with other nations. According to the policy, the United States should consider external alliances as temporary measures of convenience and freely abandon them when national interest dictates. It has been cited as a rare example of an explicit policy endorsement of what, in international relations, is known as "renversement des alliances" ("reversal of alliances"): a state abandoning an ally for an alliance with a recent
Washington Doctrine of Unstable Alliances
203039
of risk that may give rise to claims are known as perils. An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are non-exhaustive lists of the many different types of insurance that exist. A single policy that may cover risks in one or more of the categories set out below. For example, vehicle insurance would typically cover both the property risk (theft or damage to the vehicle) and the liability risk (legal claims arising from an accident). A home insurance policy in the United States typically includes coverage for
Insurance
7835022
Uninsured motorist clause An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause. Although not exclusive, this coverage is typically added to an automobile insurance policy. In the event of a qualifying accident, the insurance company pays the difference between what the uninsured driver can pay and what the injured driver would be entitled to as if the uninsured
Uninsured motorist clause
6712742
of the financial institution." The price paid for payment protection insurance can vary quite significantly depending on the lender. A survey of forty-eight major lenders by Which? Ltd found the price of PPI was 16-25% of the amount of the debt. PPI premiums may be charged on a monthly basis or the full PPI premium may be added to the loan up-front to cover the cost of the policy. With this latter payment approach, known as a “Single Premium Policy”, the money borrowed from the provider to pay for the insurance policy incurs additional interest, typically at the same APR
Payment protection insurance
467253
in the year. Willkie had not been invited to speak at the 1944 Republican National Convention in Chicago that nominated Dewey for president, and he declined a pass as an "honored guest". Dewey hoped to get Willkie's endorsement, and he sent his foreign policy advisor, John Foster Dulles, to see Willkie. The former candidate refused to be drawn, and he made no endorsement before he died. Willkie wrote two articles for Collier's, one urging an internationalist foreign policy, and the other demanding advances in civil rights for African Americans. He also explored becoming a newspaper publisher. Willkie had long been
Wendell Willkie
12485139
aspects of a business. The most common policy coverages include liability, medical, building coverage, business personal property and business income. Mechanical Protection – Commonly referred to as extended warranty coverage, Mercury’s mechanical protection pays for covered vehicle repairs after the vehicle manufacturer’s warranty expires. Certain benefits are also available during the vehicle manufacturer’s warranty period. Ride-Hailing Insurance – An endorsement to Mercury’s personal auto policy that covers the gaps between auto insurance and the Transportation Network Company’s commercial insurance coverage when the driver working for a TNC turns on the ride-hailing app. Service Line Protection – An endorsement to a
Mercury General
3079197
value to pay the costs of insurance in the policy. With most if not all VULs, unlike whole life, there is no endowment age (the age at which the cash value equals the death benefit amount, which for whole life is typically 100). This is yet another key advantage of VUL over Whole Life. With a typical whole life policy, the death benefit is limited to the face amount specified in the policy, and at endowment age, the face amount is all that is paid out. Thus with either death or endowment, the insurance company keeps any cash value built
Variable universal life insurance
11566571
Open door policy (business) An open door policy (as related to the business and corporate fields) is a communication policy in which a manager, CEO, MD, president or supervisor leaves their office door "open" in order to encourage openness and transparency with the employees of that company. As the term implies, employees are encouraged to stop by whenever they feel the need to meet and ask questions, discuss suggestions, and address problems or concerns with management. An open door policy is typically intended to foster an environment of collaboration, high performance, and mutual respect between upper management and employees. Open
Open door policy (business)
6945097
Competition regulator A competition regulator is a government agency, typically a statutory authority, sometimes called an economic regulator, which regulates and enforces competition laws, and may sometimes also enforce consumer protection laws. In addition to such agencies there is often another body responsible for formulating competition policy. Many nations implement competition laws, and there is general agreement on acceptable standards of behavior. The degree to which countries enforce their competition policy varies substantially. Competition regulators may also regulate certain aspects of mergers and acquisitions and business alliances and regulate or prohibit cartels and monopolies. Other government agencies may have responsibilities
Competition regulator
1477083
Investment policy An investment policy is any government regulation or law that encourages or discourages foreign investment in the local economy, e.g. currency exchange limits. As globalization integrates the economies of neighboring and of trading states, they are typically forced to trade off such rules as part of a common tax, tariff and trade regime, e.g. as defined by a free trade pact. Investment policy favoring local investors over global ones is typically discouraged in such pacts, and the idea of a separate investment policy rapidly becomes a fiction or fantasy, as real decisions reflect the real need for nations
Investment policy
5591923
nationalism that still affect U.S. foreign policy. Another of his books on foreign policy added the phrase "Rogue State" to foreign policy discourse. Allman's writing has appeared in "The New Yorker", "The New York Times", "Esquire", "The New Republic", "Rolling Stone", "National Geographic", as well as in "The Guardian", "Le Monde", "The Economist". He's also left lengthy comments on the comment board of "WNYC" lamenting the dismissal of a host accused of sexual harassment. He is credited with the coining of the phrase "secret war". He rescued massacre victims in Cambodia, which led to his work being banned from "The
T. D. Allman
6669001
Critical illness insurance Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation. The policy may require the policyholder to survive a minimum number of days
Critical illness insurance
13959358
2006 and 2008. He was a member of the House's K-12 Education Policy and Oversight Committee, the Taxes Committee, and the Ways and Means Committee. He also served on the Finance subcommittees for the K-12 Education Finance Division and the Transportation Finance and Policy Division. He is currently an assistant minority leader. In 2008, he unsuccessfully sought the Republican Party's endorsement to run for the United States House of Representatives in Minnesota's 1st congressional district. In December 2009, he announced that he would again seek the Republican Party's endorsement for the congressional seat in 2010, challenging incumbent Democrat Tim Walz.
Randy Demmer
9098946
foreign policy, but also for its explicit advocation of ambiguity regarding "what is permitted" for other nations and its endorsement of "irrationality", or more precisely, the perception thereof, as an important tool in deterrence and foreign policy. The document claims that the capacity of the United States in exercising deterrence would be hurt by portraying U.S. leaders as fully rational and cool-headed, stating that: Essentials of Post–Cold War Deterrence Essentials of Post–Cold War Deterrence is a document produced in 1995 as a "Terms of Reference" by the Policy Subcommittee of the Strategic Advisory Group (SAG) of the United States Strategic
Essentials of Post–Cold War Deterrence
4011406
formula_40 is the discount factor and satisfies formula_41. (For example, formula_42 when the discount rate is r.) formula_43 is typically close to 1. Because of the Markov property, the optimal policy for this particular problem can indeed be written as a function of formula_1 only, as assumed above. The solution for an MDP is a policy which describes the best action for each state in the MDP, known as the optimal policy. This optimal policy can be found through a variety of methods, like dynamic programming. Some dynamic programming solutions require knowledge of the state transition function formula_45 and the
Markov decision process
1493087
highlighted his endorsement of living wage laws and opposition to free trade agreements such as NAFTA; he mostly concentrated on his tax policy, which had been created specifically for him by Arthur Laffer, the famous supporter of supply-side economics who created the Laffer curve. This plan, which called for the replacement of the progressive income tax with a flat tax and a value added tax, both at a fixed 13-percent rate, was decried by his opponents as regressive. Nevertheless, it was endorsed by "The New York Times", "The New Republic", and "Forbes", and its raising of taxes on corporations and
Jerry Brown
2799794
Paul von Hatzfeldt was an endorsement of the Open Door Policy proposed by the United States for free trade in China. However, Germany's failure to keep up the agreement led to the Anglo-Japanese Alliance of 1902. In 1902, the United States government protested that Russian incursion into Manchuria after the Boxer Rebellion was a violation of the Open Door Policy. When Japan replaced Russia in southern Manchuria after the Russo-Japanese War (1904–05) the Japanese and U.S. governments pledged to maintain a policy of equality in Manchuria. In finance, American efforts to preserve the Open Door Policy led (1909) to the
Open Door Policy
4601822
Hard money (policy) Hard money policies (as opposed to fiat currency policies) support a specie standard, usually gold or silver, typically implemented with representative money. In 1836, when President Andrew Jackson's veto of the recharter of the Second Bank of the United States took effect, he issued the Specie Circular, an executive order that all public lands had to be purchased with hard money. One can say that a hard money policy is one in which the government recognizes currency which is based on an actual, fixed item which is considered valuable. Hard money is considered the opposite of fiat
Hard money (policy)
2326367
identification of different alternatives such as programs or spending priorities, and choosing among them on the basis of the impact they will have. Policies can be understood as political, managerial, financial, and administrative mechanisms arranged to reach explicit goals. In public corporate finance, a critical accounting policy is a policy for a firm/company or an industry that is considered to have a notably high subjective element, and that has a material impact on the financial statements. The intended effects of a policy vary widely according to the organization and the context in which they are made. Broadly, policies are typically
Policy
18891525
promote a position in return for anticipated future gain in the form of material, purposive or solidary benefits". Other political scientists have taken Kingdon's definition and expanded further. Michael Mintrom applied a public policy perspective to the term stating, “they are individuals who through their creativity, strategy, networking, and persuasive argumentation are able to bring new policy ideas into the open and promote policy change". Years later, using a constructivist perspective, Michael Mazarr added to this saying, “policy entrepreneurs can be seen as the human embodiment of the social construction of policy. Advocates determined, for one reason or another, to
Policy entrepreneur
9905113
consequences, unwanted escalation, irrationality, misperception, and the security dilemma. Another reason is that deterrence has an inherent instability. As Kenneth Boulding said: "If deterrence were really stable… it would cease to deter." If decisionmakers were perfectly rational, they would never order the largescale use of nuclear weapons, and the credibility of the nuclear threat would be low. However, that apparent perfect rationality criticism is countered and so not inconsistent with current deterrence policy. In "Essentials of Post-Cold War Deterrence", the authors detail an explicit advocation of ambiguity regarding "what is permitted" for other nations and its endorsement of "irrationality" or,
Nuclear peace
15346661
Victorian Government's cybersecurity initiatives. The Australian Government is currently undertaking a review of Australia's .au domain management, to ensure it remains fit for purpose in serving the needs of Australians online. auDA has welcomed the government review. Community geographic domain names were added in August 2006. .au Domain Administration .au Domain Administration (auDA) is the policy authority and industry self-regulatory body for the .au domain, which is the country-code top-level domain (ccTLD) for Australia. It was formed in 1999 to manage the .au ccTLD with the endorsement of the Australian Government and the authority of the Internet Corporation for Assigned
.au Domain Administration
19694366
of Sri Lanka, 1999, under World Bank financing; commissioned support for language policy in Scotland and Northern Ireland, among other international collaboration activities. The National Policy on Languages (NPL) was issued by the Australian Government Publishing Service (AGPS) in March 1987. It was the first comprehensive national language policy in Australia. On 26 April 1987 the Prime Minister announced the government's endorsement of the Policy. The National Policy on Languages was adopted as a national plan to cover all of Australia's language needs and interests (English and English literacy, and English as a second and foreign language and languages other
Joseph Lo Bianco
3744722
to cover the insurance and policy administrative expense. To make UL policies more attractive, insurers have added secondary guarantees, where if certain minimum premium payments are made for a given period, the policy remains in force for the guaranteed period even if the cash value drops to zero. These are commonly called "no lapse guarantee" riders, and the product is commonly called "guaranteed universal life" (GUL, not to be confused with "group universal life insurance", which is also typically shortened to GUL). The trend up until 2007–2008 was to reduce premiums on GUL to the point where there was virtually
Universal life insurance
6732596
is engaged in expressive activities, such as graduation prayers, religious signs on government property, or religion in the curriculum. Pennsylvania Judge John E. Jones III cited the endorsement test in his 2005 decision in "Kitzmiller v. Dover Area School District". In a case where the school board required biology teachers to read a statement to the students about intelligent design as an alternative explanation to evolution, he wrote "The proper application of both the endorsement and Lemon tests to the facts of this case makes it abundantly clear that the Board’s ID Policy violates the Establishment Clause." Some scholars understand
Endorsement test
2021132
targets. US specific: Monetary policy Monetary policy is the process by which the monetary authority of a country, typically the central bank or currency board, controls either the cost of very short-term borrowing or the monetary base, often targeting an inflation rate or interest rate to ensure price stability and general trust in the currency. Further goals of a monetary policy are usually to contribute to the stability of gross domestic product, to achieve and maintain low unemployment, and to maintain predictable exchange rates with other currencies. Monetary economics provides insight into how to craft an optimal monetary policy. In
Monetary policy
2021078
Monetary policy Monetary policy is the process by which the monetary authority of a country, typically the central bank or currency board, controls either the cost of very short-term borrowing or the monetary base, often targeting an inflation rate or interest rate to ensure price stability and general trust in the currency. Further goals of a monetary policy are usually to contribute to the stability of gross domestic product, to achieve and maintain low unemployment, and to maintain predictable exchange rates with other currencies. Monetary economics provides insight into how to craft an optimal monetary policy. In developed countries, monetary
Monetary policy
6342451
only covers the total loss of the vessel and not any partial loss. Cover may be on either a "voyage" or "time" basis. The "voyage" basis covers transit between the ports set out in the policy; the "time" basis covers a period, typically one year, and is more common. A marine policy typically covered only three-quarter of the insured's liabilities towards third parties (Institute Time Clauses Hulls 1.10.83). The typical liabilities arise in respect of collision with another ship, known as "running down" (collision with a fixed object is a "allision"), and wreck removal (a wreck may serve to block
Marine insurance
9986529
which ensued in the late 20th and early 21st centuries, created a need for a subset of policy studies that focuses on global governance, especially as it relates to issues that transcend national borders such as climate change, terrorism, nuclear proliferation, and economic development. This subset of policy studies, which is often referred to as international policy studies, typically requires mastery of a second language and attention to cross-cultural issues in order to address national and cultural biases. For example, the Monterey Institute of International Studies at Middlebury College offers Master of Arts programs that focus exclusively on international policy
Policy studies
10601493
of his conversion, his prior endorser, the Chaplaincy of Full Gospel Churches, immediately revoked its endorsement. At this point, the U.S. Army was required to dismiss him from chaplaincy despite an exemplary service record. Prior to 2007, the United States Department of Veterans Affairs (VA) did not allow the use of the pentacle as an approved emblem of belief on headstones and markers in military cemeteries. This policy was changed in April 2007 to settle a lawsuit. VA also added the Hammer of Thor to the list of approved emblems in May 2013. The 1985, Virginia prisoner Herbert Daniel Dettmer
Religious discrimination against Neopagans
11406116
courting popularity, etc. Monetary policy is typically carried out by the central bank which controls interest rates and the money supply to balance control of inflation and unemployment. The government determines labour market conditions, public investment and public spending, automatic stabilizers and discretionary fiscal policy. Central bank independence is generally held to be positive, because it prevents a single authority from simultaneously issuing debt and paying it off with newly created money, which would be inflationary. Policy mix The policy mix is the combination of a country's monetary policy and fiscal policy. These two channels influence growth and employment, and
Policy mix
10639162
any program at the iSchool. Graduates of the program typically go on to jobs such as: In 2017, the Information School added an Informatics minor. The minor complements a variety of majors on campus by offering students an opportunity to learn about data, design, policy, ethics, and code in order to solve information problems. It may be especially helpful to students in the humanities and social sciences who wish to know more about data, code, design, and policy. The Information School offers two master's degrees: the Master of Science in Information Management (MSIM) and the Master of Library and Information
University of Washington Information School
12493580
employees in the Western Cape to gain promotions than a policy which set different employment equity targets for each province. Solidarity called the policy "irrational". Another five applicants were later added to the case. The ANC in the Western Cape called the suit an "attack on employment equity", and accused the applicants of "stirring up racial antagonism between Africans and coloureds". The "Solidarity Movement" originated from the trade union and includes several organisations. The Solidarity Helping Hand is a social responsibility organisation that, though started by Solidarity, is an independent entity that functions on its own, separate from the union.
Solidarity (South African trade union)
2361365
Zero interest-rate policy Zero interest-rate policy (ZIRP) is a macroeconomic concept describing conditions with a very low nominal interest rate, such as those in contemporary Japan and December 2008 through December 2015 in the United States. ZIRP is considered to be an unconventional monetary policy instrument and can be associated with slow economic growth, deflation, and deleverage. Under ZIRP, the central bank maintains a 0% nominal interest rate. The ZIRP is an important milestone in monetary policy because the central bank is typically no longer able to reduce nominal interest rates—it is at the zero lower bound. Conventional monetary policy
Zero interest-rate policy
9971172
Master of Public Policy (MPP). Prospective students have typically studied economics, law or political science, but candidates from every field of study apply for admission. The Master of International Affairs (MIA) programme, a new programme added in fall 2015, focuses on international relations. It prepares for positions requiring a profound understanding of today’s global policy challenges. The Executive Master of Public Administration (EMPA) programme is aimed at experienced professionals for whom cooperation between government, business and civil society is an important part of their work. Participants in the Executive MPA programme choose an individual area of concentration and can either
Hertie School of Governance
4078887
semicolon are considered comments: [HKEY_LOCAL_MACHINE\SOFTWARE\Foobar] "Value"="Example string" Windows group policies can change registry keys for a number of machines or individual users based on policies. When a policy first takes effect for a machine or for an individual user of a machine, the registry settings specified as part of the policy are applied to the machine or user settings. Windows will also look for updated policies and apply them periodically, typically every 90 minutes. Through its "scope" a policy defines which machines and/or users the policy is to be applied to. Whether a machine or user is within the scope
Windows Registry
19517146
Using social media, they expanded their base further beyond the broadcast debates, both in the Republican and Democratic primary, and in the general election. In one instance, former Florida Governor Jeb Bush and former Secretary of State Hillary Clinton feuded over economic and educational policy in a series of tweets. In another, Hillary Clinton and Donald Trump feuded over Obama's endorsement of Hillary Clinton, and the deletion of Twitter accounts. Overall, these and many other events on social media contributed to the outcome of the 2016 election by endorsement, controversy, or other exhibits providing discussion for political discourse. As the
Social media in the 2016 United States presidential election
14066903
equal, then surely the love we commit to one another must be equal as well." This was the first time that a president mentioned gay rights or the word "gay" in an inaugural address. He also stated his opposition to the U.S. military's "Don't ask, don't tell" policy, and signed a bill repealing it. On October 28, 2009, Obama signed the Matthew Shepard and James Byrd, Jr. Hate Crimes Prevention Act, which added gender, sexual orientation, gender identity, and disability to the federal hate crimes law. Obama has said that he would sign into law the Employment Non-Discrimination Act, which
Social policy of the Barack Obama administration
15235107
May Manifesto The "May Manifesto" of May 6, 1924 was a paper in which the objectives of the unified Macedonian liberation movement were presented: independence and unification of partitioned region of Macedonia, fighting all the neighbouring Balkan monarchies, supporting the Balkan Communist Federation and cooperation with the Soviet Union. In 1919, the Balkan Communist Federation was established as an umbrella group for the various Balkan communist parties and had the official endorsement of the Soviets. Its first meeting was called in Sofia to promote Bulgarian communists Macedonian Question policy. It was heavily influenced by the policy of the Bulgarian Communist
May Manifesto
2326372
Althaus in its 4th and 5th editions) The Althaus, Bridgman & Davis model is heuristic and iterative. It is and not meant to be or predictive. Policy cycles are typically characterized as adopting a classical approach, and tend to describe processes from the perspective of policy decision makers. Accordingly, some postpositivist academics challenge cyclical models as unresponsive and unrealistic, preferring systemic and more complex models. They consider a broader range of actors involved in the policy space that includes civil society organisations, the media, intellectuals, think tanks or policy research institutes, corporations, lobbyists, etc. Policies are typically promulgated through official
Policy
13438273
to take place within the policy period, but you are forced to cancel your travel plans because of one of changes in circumstances, which are beyond your control, and of which you were unaware at the time you booked the trip. Cancellation cover may vary but some typical examples are listed below. Cancellation (insurance) An insurance policy may be canceled before the end of the policy period. This has the effect of ending the policy coverage on the date of the policy cancellation. Three different calculation methods are commonly used. Cancellation methods are typically calculated using an online wheel calculator.
Cancellation (insurance)
10468286
about 8 games suspension of performance-enhancing drugs and a 16 games suspension for substance abuse for a second offense. The NFL has released a new Personal Conduct Policy on December 10, 2014. It is an updated version of the 2007 Personal Conduct Policy. It has added more infractions to the 2007 policy, which include violence against others and domestic violence. The disciplinary process is more detailed in terms of its investigative progress and consequences for infractions than its 2007 counterpart. The new policy will include counseling and treatment services for the offender and their victims. As part of the domestic
National Football League player conduct policy
11949291
paradigm liberal economy advocated by 18th century economist Adam Smith. It was a key plank of the Dirigiste policy of 1945-1975 France. Under a National champion policy, governments expect one domestic corporation or an oligopoly of such corporations, typically in strategic sectors (whether private or state-sponsored) to seek profit and to "advance the interests of the nation". The policy is practised or acquiesced to by every country in certain sectors (typically national defence and security and the printing of banknotes and often in the philanthropic, performing or subsidizing research and development of new technologies and through those National Institutes which
National champions
8824102
was a private, paid-admission fundraiser. When requests to compensate the city increased, Schock called it "obviously a political move" and compared the issue to Barack Obama's endorsement of another state senator on the courthouse steps a few years before, for which the city did not request compensation. A city councilman cited an ordinance against political activity by the city, but the mayor of Peoria, Jim Ardis, called the requests "political rhetoric" and said the ordinance did not apply, and that the city did not have a policy addressing a situation where a sitting president visits town. Schock later said he
Aaron Schock
6574834
Endowment policy An endowment policy is a life insurance contract designed to pay a lump sum after a specific term (on its 'maturity') or on death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness. Policies are typically traditional with-profits or unit-linked (including those with unitised with-profits funds the holder then receives the surrender value which is determined by the insurance company depending on how long the policy has been running and how much has been paid into it. There is an amount guaranteed
Endowment policy
14677008
Policy and charging rules function Policy and Charging Rules Function (PCRF) is the software node designated in real-time to determine policy rules in a multimedia network. As a policy tool, the PCRF plays a central role in next-generation networks. Unlike earlier policy engines that were added onto an existing network to enforce policy, the PCRF is a software component that operates at the network core and accesses subscriber databases and other specialized functions, such as a charging system, in a centralized manner. Because it operates in real time, the PCRF has an increased strategic significance and broader potential role than
Policy and charging rules function
9554336
individuals and organizations engaged in the creation, production, presentation, distribution, and preservation of and education about aesthetic heritage, and entertainment activities, products and artifacts”. A cultural policy necessarily encompasses a broad array of activities and typically involves public support for: Some governments may place policy areas from this list in other ministries or departments. For example, national parks may be assigned to an environment department, or public humanities may be delegated to an education department. Since culture is a public good (i.e., contributes a public value to society for which it is hard to exclude non-payers, as all of society
Cultural policy
15625285
to believe that making a nation's central bank independent of the rest of executive government is the best way to ensure an optimal monetary policy, and those central banks which did not have independence began to gain it. This is to avoid overt manipulation of the tools of monetary policies to effect political goals, such as re-electing the current government. Independence typically means that the members of the committee which conducts monetary policy have long, fixed terms. Obviously, this is a somewhat limited independence. In the 1990s, central banks began adopting formal, public inflation targets with the goal of making
History of monetary policy in the United States
4981919
an MPO governance structure includes a variety of committees as well as a professional staff. The “policy committee” is the top-level decision-making body for the planning organization. In most MPOs, the policy committee comprises: With only a few unique exceptions nationwide (such as the MPO in Portland, Oregon), MPO policy committee members are not elected directly by citizens. Rather, a policy committee member typically is an elected or appointed official of one of the MPO’s constituent local jurisdictions. The policy committee member thus has legal authority to speak and act on behalf of that jurisdiction in the MPO setting. Federal
Metropolitan planning organization
12241748
manifestation of policy laundering is claiming a different underlying objective for a policy than is actually the case. The usual reason for politicians following this approach is that the real objective is unpopular with the public. The usual process is to conflate the issue being addressed with an unrelated matter of great public concern. The intervention pursued is presented as addressing an issue of great public concern rather than the underlying objective. Yet another manifestation of policy laundering is to implement legal policy which a subset of legislators desire but would normally not be able to obtain approval through regular
Policy laundering
2577558
Policy debate Policy debate is a form of debate competition in which teams of two advocate for and against a resolution that typically calls for policy change by the United States federal government. It is also referred to as cross-examination debate (sometimes shortened to Cross-X, CX, Cross-ex, or C-X) because of the 3-minute questioning period following each constructive speech. Affirmative teams generally present a "plan" as a proposal for implementation of the resolution. High school policy debate is sponsored by various organizations including the National Speech and Debate Association, National Association of Urban Debate Leagues, Catholic Forensic League, Stoa USA,
Policy debate
5599945
life, the premium payment might vary, but not above the maximum premium guaranteed within the policy. Whole life insurance typically requires that the owner pay premiums for the life of the policy. There are some arrangements that let the policy be "paid up", which means that no further payments are ever required, in as few as 5 years, or with even a single large premium. Typically if the payor doesn't make a large premium payment at the outset of the life insurance contract, then he is not allowed to begin making them later in the contract life. However, some whole
Whole life insurance
13438268
Cancellation (insurance) An insurance policy may be canceled before the end of the policy period. This has the effect of ending the policy coverage on the date of the policy cancellation. Three different calculation methods are commonly used. Cancellation methods are typically calculated using an online wheel calculator. A non-penalty method of calculating the return premium of a canceled policy. A return premium factor is calculated by taking the number of days remaining in the policy period divided by the number of total days of the policy. This factor is multiplied by the written premium to arrive with the return
Cancellation (insurance)
20821765
legitimate offer and not a form of blackmail. Tadić won a narrow victory in the election despite the absence of a DSS endorsement. Kosovo's unilateral declaration of independence in 2008 and its subsequent recognition by EU countries created a crisis for the DSS–DS government. Mladenović expressed the DSS's view that Serbia should hold a referendum on whether the country should continue its efforts to join the EU "with or without Kosovo." He added that "official policy thus far has been that Kosovo is Serbia and that we will join the EU with Kosovo as a constituent part." The crisis ultimately
Andreja Mladenović
17459756
insurance providers, but typically include limitations to: Business owner's policy A business owner’s policy (also businessowner’s policy, business owners policy or BOP) is a special type of commercial insurance designed for small and medium-sized businesses. By bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies. Specific coverage included in a business owner’s policy varies among insurance providers, but most policies require that businesses meet eligibility criteria to qualify. A typical business owner’s policy includes property and liability insurance. The property insurance
Business owner's policy
6695917
Council of Churches or the World Council of Churches, and refuses to become members of these organisations. The following groups broke away from the Old Apostolic Church: The Old Apostolic Church is a free church. It is intrinsically separated from government (as opposed to a theocracy, or an "established" or state church). The Old Apostolic Church does not define government policy, nor have governments define church policy or theology, nor seek or receive government endorsement or funding for its general mission. Members of the Old Apostolic Church are not allowed to become registered members of any political parties, stand for
Old Apostolic Church
11793234
way to seamlessly transfer a user from one website to another. The new term became known as web access management, because products added the functionality of controlling which resources (web pages) a user could access, in addition to authenticating them. There are three different types of architectures when it comes to web access management architectures: plug-in (or web agent), proxy and tokenization. Plugins are programs that are installed on every web/application server, register with those servers, and are called at every request for a web page. They intercept the request and communicate with an external policy server to make policy
Web access management
6965625
Simon Anholt Simon Anholt is an independent policy advisor who has worked to help develop and implement strategies for enhanced economic, political and cultural engagement with other countries. These strategies are typically in the areas of national identity and reputation, public diplomacy, cultural policy and cultural relations, regional integration, immigration and related areas of social policy, sustainability, educational policy, trade, export promotion, tourism, security and defence, foreign direct investment, talent attraction and major international events. He is the founder of the Good Country movement to improve the culture of governance worldwide, and the Good Country Index which measures what each
Simon Anholt
881133
AUP. Compliance with this policy should, as usual, be measured by regular audits. In some cases a fair usage policy applied to a service allowing nominally unlimited use for a fixed fee simply sets a cap on what may be used, intended to allow normal usage but prevent what is considered excessive. For example, users of an "unlimited" broadband Internet service may be subject to suspension, termination, or bandwidth limiting for usage which is "continually excessive, unfair, affects other users' enjoyment of the broadband service, or is not consistent with the usage typically expected on a particular access package". The
Acceptable use policy
92310
by citric or other isolated acids. Coca-Cola's recipe is maintained as a corporate trade secret. A variety of different sweeteners may be added to cola, often partly dependent on local agricultural policy. High-fructose corn syrup (HFCS) is predominantly used in the United States and Canada due to the lower cost of government-subsidized corn. In Europe, however, HFCS is subject to production quotas designed to encourage the production of sugar; sugar is thus typically used to sweeten sodas. In addition, stevia or an artificial sweetener may be used; "sugar-free" or "diet" colas typically contain artificial sweeteners only. In the 1940s, Coca-Cola
Cola
2586909
Personal firewall A personal firewall is an application which controls network traffic to and from a computer, permitting or denying communications based on a security policy. Typically it works as an application layer firewall. A personal firewall differs from a conventional firewall in terms of scale. A personal firewall will usually protect only the computer on which it is installed, as compared to a conventional firewall which is normally installed on a designated interface between two or more networks, such as a router or proxy server. Hence, personal firewalls allow a security policy to be defined for individual computers, whereas
Personal firewall
10915436
1929 election. Although he lost Nationalist Party endorsement, he was re-elected as an independent. Shortly after the election, he joined Hughes' new Australian Party. However, his time there was short-lived, as he resigned in September 1930 over policy differences and returned to sit as an independent. Marks joined the new United Australia Party on its formation in May 1931, but was defeated at the 1931 election by another UAP candidate, Eric Harrison. Marks returned to his law practice after losing his seat. In 1937, he became the inaugural chairman of the Papuan Apinaipi Petroleum Company. He was commodore of the
Walter Marks (politician)
2450199
earning Morrison's endorsement and prompting the withdrawal of state Representative Mike Lawlor's primary campaign. DeLauro defeated Republican state senator Thomas Scott 52%-48% in a particularly brutal general election, in which Scott alleged that DeLauro had only kept her maiden name to appeal to the region's Italian voters, and state Republican chair Richard Foley referred to DeLauro as "Walter Mondale in drag". The campaign was equally combative over policy matters, with both candidates microphones being cut off during a radio debate after repeated attacks over abortion and capital punishment. DeLauro has never faced another contest nearly that close, and has been
Rosa DeLauro
15657013
for Common Sense for Drug Policy who drew attention to the current White House Office of National Drug Control Policy's immediate rejection of GCDP's recommendations and defense of the "balanced drug control efforts" of the U.S. federal government; and others which agreed and disagreed with Carter's views. Brian Lehrer had Ethan Nadelmann, founder and director of the Drug Policy Alliance, on Lehrer's radio show to detail the GCDP report and how that might impact U.S. anti-drug policies. Sir Ronald Sanders, a consultant and former Caribbean diplomat, wrote in favor of the recommendations and endorsement of President Carter's expressed views. Peter
Global Commission on Drug Policy
13927018
the initiative, which was subsequently defeated in the 2001 election by more than a 2-to-1 margin. Despite the new policy’s potential weaknesses, one of its provisions, unavailable under the previous policy, has been used by some of the club’s groups (e.g., Glen Canyon Group, Utah Chapter). The policy also opened the way for club endorsement of the National Public Lands Grazing Campaign’s federal legislation that would provide compensation to ranchers who voluntarily relinquish their federal grazing permits. In the years since the Sierra Club adopted its current grazing policy, Hudak continued investigating western grazing allotments and authoring articles, developing Internet
Mike Hudak
3610763
and even shocked and amused when I found out what he'd said," Blum commented. "I was glad. I knew it would help the book's sales and I was not bothered by who it was coming from. If he shares with me a deep dislike for certain aspects of US foreign policy, then I'm not going to spurn any endorsement of the book by him. I think it's good that he shares those views and I'm not turned off by that." On the Bin Laden endorsement, Blum stated, "This is almost as good as being an Oprah book." In an interview
William Blum
3484108
"paying clients", because these are the ones against whom the independent was defenceless in the first place. But wouldn’t this compensation mechanism generate another free riding problem? Nozick says that not much, because the compensation is only “the amount that would equal the cost of an unfancy policy when added to the sum of the monetary costs of self-help protection plus whatever amount the person comfortably could pay”. Also, as we just said, it is an unfancy policy that protects only against paying clients, not against compensated clients and other independents. Therefore, the more free riders there are, the more
Anarchy, State, and Utopia
226164
a civil rights official and member of Harry Truman's cabinet. The current Supreme Knight, Carl A. Anderson, previously served in Ronald Reagan's White House. While the Knights of Columbus support political awareness and activity, United States councils are prohibited by tax laws from engaging in candidate endorsement and partisan political activity due to their non-profit status. The rules of the order also prohibit partisan politics in council chambers or at any events. Public policy activity is limited to issue-specific campaigns, typically dealing with Catholic family and life issues. They state that In addition to performing charitable works, the Knights of
Knights of Columbus
4390096
the Perdicarises on the beach is similar to another mounted sword-fighting scene in Akira Kurosawa's 1958 film "The Hidden Fortress", and the scene of Jennifer Perdicaris being cornered by Aldo Sambrell's character and kidnapped is a reference to the 1956 film "The Searchers". Most noticeably, the film inherits a cavalier attitude towards imperialism, foreign policy, and military intervention, attitudes which were relatively unpopular in 1975 America at the end of the Vietnam War. Milius' apparent endorsement of imperialism and warfare was not attacked by critics, perhaps due to the film's subtle satiric manner and for the accurate recreation of the
The Wind and the Lion
9947113
involves the production possibilities frontier, which specifies what combinations of various types of goods can be produced by a society with certain amounts of various resources. The frontier specifies the trade-offs that the society is faced with — if the society is fully utilizing its resources, more of one good can be produced only at the expense of producing less of another good. A society must then use some process to choose among the possibilities on the frontier. Macroeconomic policy-making is a context requiring multi-objective optimization. Typically a central bank must choose a stance for monetary policy that balances competing
Multi-objective optimization
14018140
Oversight Committee, and also served on the Finance subcommittees for the Bioscience and Workforce Development Policy and Oversight Division, of which he was vice chair, the Energy Finance and Policy Division, and the Higher Education and Workforce Development Finance and Policy Division. In 2012 Obermueller won the endorsement of the Democratic-Farmer-Labor Party for United States Congress in Minnesota's 2nd congressional district, challenging five-term incumbent John Kline. He was unsuccessful, garnering 46% of the vote to Kline's 54%. In 2014 Obermueller again was the Democratic-Farmer-Labor Party candidate for United States Congress in Minnesota's 2nd congressional district. This time incumbent John Kline
Mike Obermueller
3163987
negligence of contractors hired to make any building modifications). In 1941, the insurance industry began to shift to the current system where covered risks are initially defined broadly in an "all risk" or "all sums" insuring agreement on a general policy form (e.g., "We will pay all sums that the insured becomes legally obligated to pay as damages..."), then narrowed down by subsequent exclusion clauses (e.g., "This insurance does not apply to..."). If the insured desires coverage for a risk taken out by an exclusion on the standard form, the insured can sometimes pay an additional premium for an endorsement
Insurance policy
17146499
Policy transfer Policy transfer Policy transfer is a process in which knowledge about policies, administrative arrangements, institutions and ideas in one political setting (past or present) is used in the development of policies, administrative arrangements, institutions and ideas in another political setting. Policy transfer has a long history with a variety of policies such as zero tolerance policing, welfare-to-work and Business Improvement Districts moving between different nation states. Policy transfer has been the subject of considerable academic research, led primarily by political scientists since the late 1990s. Since the mid-2000s geographers have also played an important role in these debates
Policy transfer
14097925
strategic brokering functions. Typically, the budget cycles occurs in four phases. The first requires policy planning and resource analysis and includes revenue estimation. The second phase is referred to as policy formulation and includes the negotiation and planning of the budget formation. The third phase is policy execution which follows budget adoption is budget execution—the implementation and revision of budgeted policy. The fourth phase encompasses the entire budget process, but is considered its fourth phase. This phase is auditing and evaluating the entire process and system. See the associated points below: Public budgeting Public budgeting is a field of public
Public budgeting
13889727
amendment to the Minnesota State Constitution to prohibit marriage or civil unions between same-sex couples. Severson was a member of the House Agriculture, Rural Economies and Veterans Affairs Subcommittee for the Veterans Affairs Division, and the Finance subcommittees for the Housing Finance and Policy and Public Health Finance Division, the Public Safety Finance Division, and the Transportation Finance and Policy Division. In October 2009, Severson announced that he had filed the paperwork to run for Minnesota Secretary of State, seeking the Republican Party's endorsement for his candidacy at their 2010 state convention. He received the party's endorsement on April 29,
Dan Severson
3156177
fire sprinklers and fire alarms; if the house exhibits wind mitigation measures, such as hurricane shutters; or if the house has a security system and has insurer-approved locks installed. Typically payment is made annually. Perpetual insurance which continues indefinitely can also be obtained in certain areas. Home insurance offers coverage on a "named perils" and "open perils" basis. A "named perils" policy is one that provides coverage for a loss specifically listed on the policy; if it's not listed, then it's not covered. An "open perils" policy is broader in the sense that it will provide coverage for all losses
Home insurance
3163984
also states that the policy must refer to all papers which are part of the policy. Oral agreements are subject to the parol evidence rule, and may not be considered part of the policy if the contract appears to be whole. Advertising materials and circulars are typically not part of a policy. Oral contracts pending the issuance of a written policy can occur. The insurance contract or agreement is a contract whereby the insurer promises to pay benefits to the insured or on their behalf to a third party if certain defined events occur. Subject to the "fortuity principle", the
Insurance policy