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Commercial Package Policy — Commercial risk insurance that covers more than one peril, such as commercial property, commercial crime, commercial and general liability. Actual Cash Value — The fair market value of property; technically replacement cost less depreciation. Arbitration — An alternative process of settling a dispute through an impartial party instead of litigation. Claim — A demand made by the insured, or the insured's beneficiary, for payment of the benefits as provided by the policy. Coverage — The scope of protection provided under an insurance policy. Indemnity — Restoration to the victim of a loss by payment, repair or replacement. Benefits include paid hospital expenses, medical expenses, surgical expenses and income payments.


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