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Glossary

TermDefinition
AC (Account Current)Billing arrangement where producer collects and remits premium
ACORDAssociation for Cooperative Operations Research and Development - insurance form standards
Aggregate LimitMaximum total amount payable under a policy for all claims in a period
AOPArea of Practice - specific professional services covered
Bind OrderFormal request to place coverage in effect
BOPBusiness Owners Policy
Claims-MadeCoverage applies to claims first made during the policy period
CEALClaim Expenses in Addition to the Limit
CEILClaim Expenses Inside the Limits
CEOLClaim Expenses Outside the Limits
CYBERCyber Liability coverage for data breaches and cyber attacks
DAFDisciplinary Actions Factor (Appraiser rating)
Dec PageDeclaration Page - summary of coverage
DeductibleAmount the insured must pay before coverage applies
E&OErrors and Omissions insurance
Effective DateDate coverage begins
EPLIEmployment Practices Liability Insurance
ERPExtended Reporting Period - extends claim reporting beyond policy period
Expiration DateDate coverage ends
ILFIncurred Losses Factor (Appraiser rating)
INFORCEPolicy is currently active
IRMInsurance Risk Management - risk assessment questionnaire
LOBLine of Business - specific insurance product
MGAManaging General Agent
NACNon-Account Current - direct billing arrangement
OTIOrder to Issue - policy issuance checklist
Per Claim LimitMaximum amount payable for a single claim
PremiumAmount charged for insurance coverage
Prior Acts DateRetroactive date for claims-made coverage
ProducerInsurance agent or broker
Pro-RataProportional calculation based on time
RatingProcess of calculating insurance premium
ReinstatementRestoring cancelled policy to active status
Retroactive DateEarliest date for which claims are covered
Short-RatePro-rata with penalty for insured-initiated cancellation
Sub-StageSpecific condition within a workflow stage
Surplus LinesCoverage placed with non-admitted carriers
TRIATerrorism Risk Insurance Act
UnderwriterPerson who evaluates and prices insurance risk
TermDefinition
AppRiskInfoMaster risk/policy record in LAMS
GCIGeneral Client Information - applicant details
riskIdHuman-readable risk identifier (e.g., ACSTD-NJ-00123)
Smart TableConfigurable data grid with search, filter, and favorites
BookingFinancial record of policy transaction
SchedulerAutomated process running on defined schedules
Quote StepperMulti-step quote generation workflow
Payment StepperPayment processing workflow
AccordionExpandable endorsement grouping UI