Insurance is full of words that mean something very specific, but nobody ever explains them. Pick a category below for a quick-reference glossary in plain English. If you want the full story behind any term, look for the linked article on that page.
General Insurance Terms
The words that show up across almost every kind of policy: deductible, endorsement, exclusion, premium, and more.
Homeowners
Dwelling coverage, replacement cost, ordinance or law coverage, sewer backup, and the rest of what shows up on a homeowners policy.
Auto
SUM, PIP, collision and comprehensive, and the New York-specific terms that make auto insurance here different from most other states.
General Liability
Aggregate limits, occurrence versus claims-made, and the terms that come up in commercial and contractor policies.
Certificates
ACORD forms, additional insured endorsements, waiver of subrogation, and what a certificate of insurance actually proves.
Workers Compensation
Class codes, experience modification factors, statutory limits, and the rest of what determines your workers comp premium.
Have a term you don’t see here? Contact Curabba Agency and we’ll add it.