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| A property used for shelter. |
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| A catch all term for insurance that affords protection from an illness or injury which results in a loss of life, a loss of earnings or out of pocket expenses. Some examples of health insurance are disability insurance, medical insurance, dental insurance, etc. |
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| Health Maintenance Organization (HMO) |
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| A health insurance plan which requires you to work through the insurers affiliated physician and facility network resulting in lower health costs than other health insurance plans. Patients typically small pay a flat rate amount per visit or prescription. HMO plans typically require you to specify a primary care physician from their list of doctors. The primary care physician must authorize any and all referrals to other doctors for treatment to be covered. |
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| Highly Protected Risk (HPR) |
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| Insurance plans available to large commercial properties which meet stringent safety standards to qualify for lower premiums. |
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| Insurance that combines liability insurance and hazard insurance. Required by most mortgage lenders. |
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| Host Liquor Liability Coverage |
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| Protects the hosts of business or social functions where alchoholic beverages are sold or served. |
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