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Abandonment: As used in property insurance, prohibits the insured from abandoning damaged property to the insurance company for repair or disposal
Accelerated Benefits Rider: An adjustment (rider) to a life insurance policy that allows for the early payment of some portion of the policy's face amount should the insured suffer from a terminal illness or injury.
Accidental Death Benefit Rider: An adjustment (rider) to a life insurance policy that provides for payment of an additional cash benefit when death occurs by accidental means. This amount depends on the value of the policy.
Accidental Death Insurance:An Insurance policy that provides payment if the insured's death occurs as a results from an accident.
Accounts Receivable Coverage: Covers loss of sums owed to the insured by its customers that are uncollectible due to damage by an insured peril to accounts receivable records
Actual Cash Value (ACV): Cost to repair or replace damaged property with materials of like kind and quality, less depreciation
Additional Insured: A person or organization for whom insured status is arranged by endorsement
Admiralty: Refers to the common law of the sea, enforced by the federal Courts. Seamen have certain rights and remedies against their employers under Admiralty Law, if injured on the job or during a voyage.
Advertising Injury: General liability coverage that insures against libel, slander, invasion of privacy, copyright infringement and misappropriation of advertising in connection with the insured's advertising of its goods or services
Agent: An authorized representative of an insurance company.
Aggregate: The maximum amount an insurance company will pay during the policy
Agreed Value: When the agreed value option is used the coinsurance requirement is removed and the insurer agrees to cover loses for it's agreed value. As an example, the insured has property insured for $100,000 and the agreed value is also $100,000, if a loss occurs, any loss up to $100,000 is covered at 100% When this option is used the insured and the insurance company agree on the value of the property before the policy is issued. This option is usually assigned to one-of-a-kind property.
All Risk Coverage: Property insurance covering loss arising from all causes of loss except those that are specifically excluded
Annually Renewable Term: Term insurance that provides coverage for one year and allows the policy owner to renew his or her coverage each year.
Application: A form with the information needed for an insurance company to underwrite and rate a specific policy
Assignment Assignment: The transfer of ownership of a Life Insurance policy from one person to another.
Attained Age: Your current age. Your attained age is a factors life insurance companies use to determine premiums.
Audit: A verification of the financial records, usually payroll or receipts, of an organization to determine exposures and premiums
Automobile: A land motor vehicle, trailer or semi-trailer designed for travel on public roads, not including 'mobile equipment'
Backdating: Making the effective date of a policy earlier than the date of application. Backdating is often used to make the age of the applicant lower than it actually was at the time of application so that he/she can get a lower premium. State laws often set limits to this.
Bailee Coverage: Coverage on property left in the care of the insured for storage, repair or servicing
Bareboat Chater: The charter of a vessel without captain/crew.
Base Flood Elevation (BFE): The elevation shown on the Flood Insurance Rate Map for Zones AE, AH, A1-A30, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, AR/AO, V1-V30, and VE that indicates the water surface elevation resulting from a flood that has a one percent chance of equaling or exceeding that level in any given year.
Basic Cause of Loss Form:Property coverage for named perils: Fire, Lightening, Explosion, Smoke, Windstorm, Hail, Riot, Civil Commotion, Aircraft, Vehicles, Vandalism, Sprinkler Leakage, Sinkhold Collapse and Volcanic Action
Basic Limits: The minimum limits of liability that can be carried by an insured
Beneficiary: The designated person set to receive the death benefit if the insured should die.
Best's Rating: A rating system by A.M. Best Company giving the financial condition of insurance companies
Binder: A temporary insurance policy that expires at the end of a specific time period or when a permanent policy is written. A binder is given to an applicant for insurance during the time it takes the an insurance company to complete the policy paperwork.
Blue Water Vessel: One that sails outside the U.S., typically ocean-going or to/from the Caribbean.
Bodily Injury by Accident Limit: The most an insurer will pay under Part Two of a Workers' Compensation Policy for claims arising out of any one accident, regardless of how many employee claims arise out of the accident
Bodily Injury by Disease, Each Employee : The most an insurer will pay under Part Two of a Workers' Compensation Policy for damages due to bodily injury by disease to any one employee
Bodily Injury by Disease-Policy Limit : The most an insurer will pay under Part Two of a Workers' Compensation Policy employee bodily injury by disease claims during the policy period regardless of the number of employees who make such claims
Bodily Injury Liability Limit: The insured is legally liable for damages due to bodily injury, sickness, or disease, including resulting death
Boiler & Machinery Insurance: Coverage for loss caused by mechanical or electrical equipment breakdown, including damage to the equipment
Bond:A written agreement in which one party, the surety, guarantees the performance or honesty of a second party, the principal (obligor), to the third party (obligee) to whom the performance or debt is owed
Brands and Labels Endorsement: Property insurance coverage that allows the insured to remove labels from damaged goods or mark the items as 'salvage,' provided the goods are not damaged in the process
Broad Causes of Loss Form: Property coverage for the named perils: Fire, Lightening, Explosion, Smoke, Windstorm, Hail, Riot, Civil Commotion, Aircraft, Vehicles, Vandalism, Sprinkler Leakage, Sinkhole Collapse, Volcanic Action, Breakage of Building Glass, Falling Objects, Weight of Snow, Ice or Sleet, Water Damage (in the form of leakage from appliances) and Collapse from Specified Causes
Brown Water Vessel: A vessel, most typically a tug/barge, that operates in the river system or coastal U.S.
Building Ordinance Coverage: Covers against loss caused by enforcement or ordinances or laws regulating construction and repair of damaged buildings
Burglary: Theft of property by forcible entry, which is evidenced by visible signs, in a premises, by a person
Business Auto Policy: Auto Policy for businesses that includes auto liability and auto physical damage coverages
Business Income Coverage: Insurance covering loss of income by a business when operations are interrupted due to property loss that is a covered cause of loss
Business Interruption Coverage: See Business Income Coverage
Business Owners Policy (BOP): A policy that combines property and liability coverages for special types of small businesses
Cancellation: The termination of an insurance policy usually before its expiration
Care, Custody or Control: An exclusion of liability insurance which eliminates coverage for damage to property in the insured's care, custody or control
Carrier: The insurance company which provides coverage
Cash Benefits: The Money that is paid to the policy holder upon settlement of a covered claim.
Cash Value: The equity amount or "savings" accumulation in a whole life insurance policy.
Casualty Insurance: Insurance that covers loss caused by injuries to persons and the legal liability imposed on the insured for injury or for damage to property of others
Catastrophe: A severe loss causing sizable financial loss
Causes of Loss Forms: The commercial property forms that define the covered causes of loss for which coverage is provided. Commonly, there are 3 Cause of Loss Forms: Basic, Broad and Special
Certificate of Insurance: A document providing evidence that insurance has been purchased
Claim: A request by a policyholder or a claimant for payment under a policy of insurance
Claim Expense: Expenses of settling or investigating a claim
Claimant: The person presenting a claim
Claims Reserve: An amount of money set aside to meet claims reported but not paid
Class: A group of businesses who have common or similar exposures and are grouped together for rating purposes
Classification: The arranging or establishing of business groups or categories for rating purposes
Coinsurance Provision: An insurance provision for property coverages in which the policyholder must carry an amount of insurance that is at least equal to a set percentage of the value of the property in order to receive full payment of a loss
Collapse: Collapse of a building and collapse of personal property within a building due to specified causes (such as weight of snow, ice or rain). Does not include collapse due to design error or due to faulty workmanship or materials if the collapse occurs after construction is complete
Collision Insurance: Provides for payment to a covered automobile resulting from the striking of another object by a moving vehicle
Commercial General Liability Policy (CGL): A coverage which protects business organizations against liability claims for bodily injury and property damage. Those claims may be the result of events at your place of business, from your business operations, the products or services you make or do, communications or advertisements your business broadcasts
Competitive State Funds: State-owned and operated facilities that write Workers' Compensation Insurance solely for that state
Completed Operations: A General Liability coverage for the work of the insured that has been completed away from the business premises
Comprehensive Auto Coverage: Covers an automobile for loss or damage for all causes except for those specifically excluded
Compulsory Insurance: Insurance that is required by law
Concealment: Failure to disclose facts which may void an insurance policy
Conditional Receipt: Given to policy owners when they pay a premium at the time of the application. These receipts bind the insurance company, provided your policy is approved, but are subject to any other conditions stated on the receipt.
Conditions: Things agreed upon in an insurance policy that state the rights and the requirements of the insured and the insurer
Consequential Loss: An indirect loss such as the reduction in value of property that is the result of a direct damage loss
Constructive Total Loss: Term used when damage to property is more than the value of the property
*Contestable Clause: A provision in an insurance policy setting forth the conditions or time period under which the insurance company may contest or void the policy. After this time has lapsed, typically two years, the policy cannot be contested. Example: Suicide.
Contingent Beneficiary: Person or persons designated to receive the value of an insurance policy in case the original beneficiary is not alive.
Contract: An agreement between two or more parties with characteristics of mutual assent, competent parties, a valid consideration and legal subject
*Coverage: Coverage is just another term for Insurance. It can be used to mean either the dollar amounts of insurance purchased ($500,000 of liability coverage), or the type of loss covered (coverage for theft).
Convertible Term:A policy that may be changed to another form by contractual provision and without evidence of insurability. Most term policies are convertible into permanent insurance.
Countersignature: The signature of a licensed agent or representative on a policy that is required to validate the policy
Cross-Purchase Plan: An agreement that provides that upon a business owner's death, surviving owners will purchase the deceased's interest, often with funds from life insurance.
Cumulative Injury: A type of injury which occurs from the repetition of tasks over an extended length of time
Data Processing or EDP Coverage: All risk property insurance for electronic data processing equipment (computers), computer programs and data including mechanical breakdown, electrical injury and changes in temperature and humidity
Death Benefit: The amount of money paid to the beneficiary when the insured person dies.
Death on the High Seas: (DOHSA) covers any death occurring beyond 3 nautical miles from the shore of any State. Only the personal representative of the deceased individual can bring a DOHSA action, and that action is pursued on behalf of, or for the benefit of the decedent's spouse, child(ren), parent or other financially dependent relative. DOHSA actions only provide for the recovery of monetary damages and does not provide for recovery of non-pecuniary damages.
Damages under DOHSA are determined based upon the actual or projected value of the financial benefit that would have been received from the decedent. Under this theory, dependent children can recover for the value of the care and guidance they would have received from the decedent parent. A spouse can recover for the actual value of the financial contribution the decedent would have made to the family had he lived, less any amount determined to have provided for the care and maintenance of the decedent personally. Therefore, the recovery can be reduced by the amount of resources deemed to provide for the consumption and needs of the decedent had he lived.
A simplified method of determining the needs or consumption of the decedent is to take equally apportion the family income to each member and deduct that equal portion from the projected income to account for the decedent's anticipated expenditure.
The DOHSA does not provide for a loss of consortium or loss of society claim, however, the spouse can recover for the monetary value of the household services the decedent would have provided. This portion of recovery is based on the number of hours the beneficiaries would have expected to receive in services from the decedent and calculated based upon an hourly rate for those services projected out for the decedent's life expectancy.
DOHSA generally does not provide for "survival" causes of action. The exception to this rule applies when a party sustains an injury on the high seas and dies during the pendency of a personal injury action being pursued in federal court in admiralty.
Decreasing Term Insurance: Term life insurance on which the face value slowly decreases in scheduled steps from the date the policy comes into force to the date the policy expires, while the premium remains level. The intervals between decreases are usually monthly or annually.
Debris Removal: The cost of removal of debris from covered property damaged by an insured peril
Deductible: The amount of loss which is paid or absorbed by the insured prior to determining the insurance company's liability
Defense Base Act: This federal Defense Base Act extends the provisions of the Longshore and Harbor Workers' Compensation Act to contractors performing work at oversees military bases, and to various public works contracts performed outside the continental U.S. For example: employees working oversees for the American Red Cross providing welfare services for the Armed Forces.
Deposit Premium: The amount of premium required at the beginning of a policy prior to the actual premium being determined
Depreciation: The reduction in value of property over a period of time. Usually as a result of age, wear and tear, or economic obsolescence
Direct Damage: Causes of loss that produce direct and straightforward property damage (without interruption in time or deviation in space) from the cause of the event to the damaged property
Double Indemnity: Payment of twice the basic benefit in the event of loss resulting from specified causes or under specified circumstances.
Driver Other Car Endorsement: An endorsement that can be added to an automobile policy that gives protection while the insured designated in the endorsement is driving a car other than the one named in the policy
Drop Down Provision: A clause used in Umbrella policies providing that the Umbrella will 'drop-down' over underlying policy aggregate limits when they have been reduced or exhausted
Earned Premium: The amount of premium that has been used for certain periods of time
Earth Movement or Earthquake Exclusion: An exclusion found in most property insurance policies eliminating coverage for earth movement or earthquake, except ensuing fire
Effective Date: The date on which an insurance binder or policy goes into effect
Electrical Damage or Injury Exclusion: An exclusion usually contained in property insurance policies eliminating coverage for damage to electrical appliances caused by artificially generated currents, except for ensuing fire or explosion
Employee Dishonesty Coverage: Coverage for theft of money, securities or property by an employee
Employee Leasing: A staffing method which an employee leasing company provides all or most of its client's employees
Employers Excess Indemnity Insurance: Insurance coverage purchased by employers that do not subscribe to the Texas Workers' Compensation law
Employers Liability Coverage: Part 2 of the Workers' Compensation policy which pays on behalf of the employer all sums that the employer becomes legally obligated to pay because of bodily injury by accident or disease sustained by any employee of the insured arising out of and in the course of his employment by the insured
Employment Practices Liability Insurance: A form of liability insurance covering wrongful acts arising from employment practices such as wrongful termination, discrimination and sexual harassment
Endorsement: A document attached to an insurance policy that changes the original policy provisions
Equipment Floater: A property insurance coverage for equipment that is often moved from place to place
Estimated Premium: A preliminary premium amount that could be adjusted based on a variance in exposures
Evidence of Insurability: Any statement or proof of a person's physical condition, occupation, etc., affecting acceptance of the applicant for insurance.
Excess and Surplus Lines Insurance: Coverage that is provided by insurers not licensed in the states where the risk is located
Excess Liability Policy: A policy that provides additional limits in excess of an underlying liability policy
Exclusions: Specified hazards listed in a policy for which benefits will not be paid.
Expected or Intended: An exclusion for injury or damage that is expected or intended
Expediting Expense Coverage: Coverage providing reimbursement of expenses for temporary repairs and costs incurred to speed up the permanent repair or replacement of covered property or equipment
Expense Constant: A small flat expense charged to Workers' Compensation policies
Experience Modifier: A debit or credit factor developed by measuring the difference between the insured's actual past experience and the expected or actual experience of the class of business
Expiration: The ending date of an insurance policy
Exposure Base: The basis of rates that are applied to determine premium. Some exposures may be measured by payroll, receipts, sales, square footage, area, man-hours or per unit
Extra Expense Coverage: Coverage for reimbursement of expenses in excess of normal operating expenses that are incurred to continue operations after a direct damage loss
Extraterritorial Coverage: The coverage for extending workers' compensation law to provide benefits for workers hired in one state but injured while working in another state
Face Amount: The amount covered by the terms of an insurance contract, usually found on the first page of the policy.
Fiduciary Liability: The liability placed on trustees, employers, fiduciaries and professional administrators with respect to errors and omissions in the administration of employee benefit programs
Final Expenses: Expenses incurred at the time of a person's death. These include but are not limited to:funeral costs, court expenses, current bills or debt, mortgages, loans and taxes.
Fine Arts Coverage: Property insurance for works of art
Fire Department Service Charge Coverage: Coverage in a property insurance policy for charges incurred by the insured from a fire department for their services in fighting a fire
Fire Legal Liability Coverage:Liability coverage for the insured's legal liability for fire damage to premises rented by the insured
Fire Wall: A wall designed to prevent the spread of fire from one part of a building to another
Firewall:A computer that protects a company's private network from outside internet users
Fixed Benefit: A death benefit, the dollar amount of which does not vary.
Flat Cancellation: The full cancellation of a policy as of the effective date of coverage which requires the return of paid premium in full
Flood Coverage: Coverage for damage to property caused by flood. Flood can be defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from:
–Overflow of inland or tidal waters; or
–Unusual and rapid accumulation or runoff of surface waters from any source; or
–Mudflow;or Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above
Flood Exclusion: A provision in most all property insurance policies eliminating coverage for damage by flood and possibly other types of water damage, such as seepage and sewer backup
Follow Form: An umbrella policy provision that follows the underlying policy for coverages and policy provisions
Forgery or Alteration Coverage: Covers loss due to the dishonesty of writing, signing or altering of checks and bank drafts
Fortuitous Event: An event that is subject to chance without the implication of suddenness
Free Look: Trial period required in most states where policy owners have up to 20 days to examine their new policies with no obligation.
Frequency: The number of times that a loss will occur within any given period of time
Full Coverage: Any form of insurance that provides payment in full of all losses caused by the perils insured against without applying a deductible or depreciation
Funeral Expenses: Expenses including casket, vault, grave plot, headstone and funeral director.
Garage Liability Insurance: Insurance coverage for the legal liability of automobile dealers, garages, repair shops and service stations for bodily injury and property damage arising out of their business operations
Garagekeepers Coverage: Provides coverage to owners of storage garages, parking lots and body and repair shops for their liability of damage to automobiles left in their custody for safekeeping or repair
General Aggregate Limit: The maximum amount of insurance payable during the policy period for losses (other than those arising from the products – completed operations hazards as covered under the standard commercial general liability policy)
General Liability Insurance: Insurance protecting businesses from most liability exposures other than automobile and professional liability
Glass Insurance: A property insurance policy covering breakage of building glass regardless of cause
Governing Classification: In Workers' Compensation Insurance, the classification that best describes the workers' compensation exposure of an employer's business
Grace Period: Period of time after the due date of a premium during which the policy remains in force without penalty.
Graded Premium Policy: A type of whole life policy designed for people who want more life coverage than they can currently afford. They pay a lower premium rate that increases gradually over the first three to five years and then remains constant over the life of the policy.
Gross Negligence: Willful and wanton misconduct
Gross Vehicle Weight (GVW): The weight specified by a manufacturer for the maximum total loaded weight of a single vehicle
Guaranteed Term: A form of renewable term insurance that remains in force as long as the premiums are paid on time. With guaranteed term insurance, the insurance company cannot terminate the policy during the term.
Hired Automobile: An automobile whose exclusive use has been temporarily given to another for a monetary sum or other consideration. The business auto definition of 'hired autos,' however, includes autos borrowed except those borrowed from employees or partners
Hold Harmless Agreement: A contractual agreement that requires one contracting party to assume certain legal liabilities of the other party
Host Liquor Liability: Liability coverage for hosts of business or social functions arising out of the serving or distribution of alcoholic beverages by a party not engaged in this activity as a business enterprise
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Improvements and Betterments: Additions or changes made by a lessee at his own expense to property that may not legally be removed. Usually covered under the tenants property coverage
Incontestable Clause: A clause in a policy providing that a policy has been in effect for a given length of time (two or three years), the insurer shall not be able to contest the statements contained in the application. In life policies, if an insured lied as to the condition of his health at the time the policy was taken out, that lie could not be used to contest payment under the policy if death occurred after the time limit stated in the incontestable clause.
Incurred Losses: The amount of paid claims and loss reserves within a particular period of time, usually a policy year. Customarily computed as losses incurred during the period, plus outstanding losses at the end of the period, less outstanding losses at the beginning of the period
Independent Adjuster: A claims adjuster who provides adjustment services to insurance companies but is not employed by them
Independent Contractor: An individual or company who has agreed, in writing, with another party to perform a job or function on behalf of that party
Inflation Guard Provision: A provision that increases the limit of insurance by a specified percentage over a specified period of time to offset inflation costs
In-Rem: GL coverage endorsement extending coverage for suits filed against the value of a thing (Vessel) seeking for the recovery of damages; where the insured has a contractual obligation to defend the suit on a 3rd party claim. The suit must cite the unseaworthy condition of the vessel as proximate cause of the damages. In the absence of this endorsement, an in rem suit could result in an injunction preventing the vessel from leaving port until the suit is settled. In rem coverage is now part of the maritime coverage endorsement rather than a separate endorsement.
Insurability: The condition of the individual wishing to be insured, including their health, susceptibility to injury and life expectancy.
Insurance: A formal social device for reducing risk by transferring the risks of several individual entities to an insurer. The insurer agrees, for a consideration, to pay for the loss in the amount specified in the contract.
Insurance Policy: The printed form which serves as the contract between an insurer and an insured.
Insurance to Value: Insurance written in an amount equal to the value of the property or which meets coinsurance requirements
Insured: The party who is being insured. In life insurance, it is the person because of his or her death the insurance company would pay out a death benefit to a designated beneficiary.
Insurer: The insurance company; Party that provides insurance coverage, typically through a contract of insurance.
Irrevocable Beneficiary: A beneficiary that cannot be changed without that beneficiary's consent.
Increasing Term Insurance: Term life insurance in which the death benefit increases periodically over the policy's term. Usually purchased as a cost of living rider to a whole life policy.
Joint Venture: A business relationship when two or more persons join their labor or property for a business undertaking and share profits
Jones Act: A federal law that extended the Federal Employer's Liability Act (FELA) to give injured seamen the right to sue their employer in federal Admiralty courts for their work-related injuries. For additional information please click here
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Lapse: Termination of a policy due to the policy owner's failure to pay the premium within the grace period.
Leasehold Interest: Property insurance covering the loss suffered by a tenant due to termination of a lease because of damage to the leased premises by a covered loss
Lessee: The person to whom a lease is granted
Lessor: The person granting the lease
Liability: The legal obligation to pay a monetary award for injury or damage caused by one's negligent or statutorily prohibited action
Liberalization Clause: A provision within an insurance policy that broadens the coverage if the insurance company offers a broader coverage form within the first 45 days of coverage
Lien: An obligation that can be held by an individual who has an interest in a particular matter or property
Life Expectancy: The average number of years a person is expected to live based on a national average per age group, and other factors.
Life Insurance: Insurance coverage that pays out a set amount of money to specified beneficiaries upon the death of the individual who is insured.
Limit of Liability: The most an insurance company agrees to pay in the case of loss
Limited Pay Policy: A type of whole life insurance designed to let the policyholder pay higher premiums over a specific time period such as 10 or 20 years so that they won't have to pay any premiums for the rest of his or her life.
Longshore and Harbor Workers' Compensation Act: A federal law that provides workers' compensation benefits to employees of a vessel injured in maritime employment – usually in loading, unloading, repairing or building a vessel – but not applicable to crew members. For additional Information please CLICK HERE
Loss: The amount an insurance company pays for damages under the terms of a policy
Loss Adjustment Expense: The cost assessed to a particular claim for investigating and adjusting that claim
Loss Constant: A flat charge added to the premium of small workers' compensation policies to offset higher loss ratios
Loss Control: A technique that is put in place to reduce the possibility that a loss will occur or reduce the severity of those that do occur
Loss Payable Clause: An insurance clause that authorizes loss payments to a person or entity having an insurable interest in the covered property
Loss Ratio: Percentage of losses incurred against earned premiums
Loss Report: A form showing reported claims which provides information such as the date of occurrence, type of claim, amount paid and amount reserved for each loss
Loss Reserve: An estimated amount set aside for a particular claim that has not yet been paid
Lost Policy Release: A signed statement by the named when the insured wishes to cancel the policy, but has lost or mislaid the policy, which releases the insurance company from all liability or losses
Maintenance and Cure: Maintenance is a maritime term for room and board. Maintenance constitutes the daily payment that would be necessary to pay a seaman for room and board which would otherwise be furnished aboard the vessel. Maintenance begins on the date on which a seaman departs the vessel, not the date of the injury or illness. Attorneys often dispute the amount of maintenance which has been traditionally paid. The local maintenance rate is typically set at $20 to $30 per day. The courts generally refuse to award higher rates, although there is are legitimate arguments for a higher maintenance standard.
Maintenance continues until a seaman reaches maximum medical cure, regardless of whether or not the seaman remains disabled and unable to return to work as a seaman.
Cure can be defined as medical expenses paid by a shipowner to a seaman disabled by illness or injury. These payments are made until the seaman reaches maximum medical cure, or until the individual's condition has stabilized. Basically, cure is a seaman's right to medical treatment. While the injured seaman has a duty to mitigate his or her medical expenses, the seaman's employer has the burden of proving that any medical costs of treatment by a seaman has been excessive or unnecessary.
Marina: A property or premises that provides waterfront facilities for recreational boating activities, typically launching, docking, storing, fueling and incidental servicing of boats. For additional information CLICK HERE
Maritime: Generally means "pertaining to the sea". In connection with the USL&H Act, "maritime" work means work that meets the "situs" and "status" tests, including building and repairing ships, loading and unloading ships, construction or repair of structures that enable waterborne commerce, and other work on or near navigable waters in support of waterborne commerce. Also references work in connection with the Jones Act.
Medical:A document completed by a physician or another approved examiner and submitted to an insurer (insurance company) in order to provide medical information. This is usually done to determine insurability (or lack of insurability) or is sometimes done in relation to a claim.
Medical Expenses: Reasonable charges for medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, prosthetic devices, and funeral expenses. What is considered reasonable is outlined in a policy.
Medical Payments, Auto: Coverage, which is optional, under an auto policy to pay for medical expenses for bodily injury caused by an auto accident, regardless of fault. Coverage for persons other than the named insured and his or her family members is typically restricted to circumstances when they are occupants of the insured auto
Medical Payments, General Liability: A general liability coverage that reimburses others, regardless of fault, for medical or funeral expenses incurred as a result of bodily injury or death sustained by an accident
MEL: "Marine Employers Liability" coverage, often provided under a P & I policy or monoline, to protect the employer against his liabilities under the Jones Act and Admiralty law for injury to his employed seamen. Known as "Maritime Coverage" when provided as an endorsement to a Workers' Compensation Insurance Policy.
Mexico Coverage: Coverage which is sometimes provided under automobile policies for the operation of an insured motor vehicle within Mexico, usually limited to a stated number of miles from the U.S. border
Minimum Premium: The lowest amount of premium to be charged for providing a particular insurance coverage
Misrepresentation: The act of knowingly presenting false information.
Mobile Equipment:Equipment such as earthmovers, tractors, diggers, farm machinery, forklifts, etc., that even when self-propelled, are not considered as automobiles for insurance purposes
Monopolistic State Funds: States or Jurisdictions where an employer must obtain workers' compensation insurance from a state fund or qualify as a self-insurer, as is allowed in five of the states: North Dakota, Ohio, Washington, West Virginia, Wyoming, Puerto Rico and the U.S. Virgin Islands
Mortality Rate: The number of deaths in a group of people, usually expressed as deaths per thousand.
Mortality Table: A table showing the incidence of death at specified age groups.
Mortgage Clause: Property insurance provisions granting protection for the mortgagee named in the policy. It establishes that loss to mortgaged property is payable to the insured and to the mortgagee named in the policy
Named Perils Coverage: A property insurance term referring to exact causes of loss specifically listed as covered
National Flood Insurance Program: A federally funded program established to make flood insurance available to properties located in participating
communities National Flood Insurance Program: A federally funded program established to make flood insurance available to properties located in participating communities
Navigable Water: A body of water or waterway which enables travel or commerce(in any size vessel) from one state to another or to the Gulf of Mexico or to an ocean.
Nonadmitted Insurer: An insurance company that is not licensed to do business in a specific state. The insurers may write coverage through an excess and surplus lines broker that is licensed in these jurisdictions
Nonowned Automobile: In commercial auto policies, coverage for autos that are used in connection with the named insured's business but are neither owned, leased, hired, rented or borrowed by the named insured. The term specifically applies to vehicles owned by employees and used for company business
Nonsubscription:A Workers' Compensation term used in Texas that refers to employers who choose to be out of the workers' compensation system. Firms that are proven negligent in causing a worker's injury, can be held liable in tort, since nonsubscribing employers waive the traditional common law defenses available to employers subject to workers' compensation laws
Original Age: The age you were when you bought an insurance policy.
Other Insured Rider: The temporary addition to an insurance policy, usually a member of the direct family.
Ownership: All rights, benefits and privileges under life insurance policies are controlled by their owners. Policy owners may or may not be the insured. Ownership may be assigned or transferred by written request of current owner.
Occupational Hazard: A condition in the workplace that increases the chances of the an accident, sickness, or death. It usually will mean higher premiums.
Occurrence: A continual, gradual or repeated exposure to substantially the same general harmful conditions. General liability policies insure liability for bodily injury or property damage that is caused by an occurrence
Package Policy: A policy providing several different coverages combined into one policy. Refers to a policy providing both general liability insurance and property insurance
Payroll Limitation: A limit on the amount of payroll for certain classifications used for the development of premium
Peril: Cause of loss such as fire, windstorm, collision, etc.
Personal Auto Policy (PAP): A policy insuring private-passenger autos owned by individuals
Personal Injury: A General Liability coverage for insurable offenses that cause harm, other than bodily injury, such as false arrest, detention or imprisonment, malicious prosecution, wrongful eviction, slander, libel and invasion of privacy
Personal Injury Protection (PIP): An automobile insurance coverage mandated by law in some states. The statutes typically require insurers to provide or offer to provide first-party benefits for medical expenses, loss of income, funeral expenses and similar expenses without regard to fault
Personal Property: All tangible property not classified as real property such as contents
Policy: The printed document given to the insured, outlining the terms and conditions of the Insurance coverage.
Policy Fee: A one-time charge per policy that does not change with the size of the premium
Policy Holder: The person who owns a life insurance policy. This is usually the insured person, but it may also be a relative of the insured, a partnership or a corporation.
Policy Period: The term or duration of a policy including the effective and expiration dates
Pollutant:An irritant or contaminant, whether in solid, liquid, or gaseous form, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste
Preferred Risk: A positive characteristic of someone seeking to be insured. Usually means a better likely hood for long life, and usually means a lower premium.
Premises: The location where coverage applies
Premises-Operations:A category of hazard ordinarily insured by a general liability policy which is composed of those exposures to loss that fall outside the defined 'products-completed operations hazard,' including liability for injury or damage arising out of the insured's premises or out of the insured's business operations while such operations are in progress
Premium: The agreed upon, payment made to keep an insurance policy in force, usually a monthly payment.
Premium Flexibility: The policy holder's right to vary the amount of premium paid each month.
Primary Beneficiary: In life insurance, the beneficiary designated by the insured as the first to receive policy benefits.
Primary Policy: The insurance policy that pays first when you have a loss that's covered by more than one policy.
Pro Rata Cancellation: The cancellation of an insurance policy with the return premium being the full proportion of premium for the unexpired term of the policy, without penalty for early cancellation
Product: Items manufactured, sold, handled, distributed or disposed of by the named insured or others involved with the named insured in the course of their business. Includes containers, parts and equipment, product warranties and provision of or failure to provide instructions and warnings
Product Liability: The liability for bodily injury or property damage a merchant or manufacturer may incur as a consequence of some defect in the product sold or manufactured
Products Completed Operations: General Liability coverage for liability arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed
Professional Liability: Coverage designed to protect professionals such as physicians and real estate brokers, against liability incurred as a result of errors and omissions in performing professional services
Property Damage: In the general liability policy, a physical injury to property, resulting in the loss of use
Property Insurance: First-party insurance for real and personal property against physical loss or damage
Provisions: Details of an insurance policy which explain the benefits, conditions and other features of the insurance contract.
Real Property: Real estate including buildings and vegetation
Re-entry Option: An option in a renewable term life policy under which the policy owner is guaranteed, at the end of the term, to be able to renew his or her coverage without evidence of insurability, at a premium rate specified in the policy.
Reinstatement:Putting a lapsed policy back in force by producing satisfactory evidence of insurability and paying any past-due premiums required.
Renewal Policy: A policy issued to replace an expiring policy
Rents or Rental Value Insurance: Insurance that reimburses a building owner for loss of rental income due to damage by an insured peril
Replacement: A new policy written to take the place of one currently in force.
Representation: Statements made by applicants on their applications for insurance that they represent as being substantially true to the best of their knowledge and belief but that are not warranted as exact in every detail.
Return Premium: The amount of premium due the insured should the actual cost of a policy be less than the insured previously paid
Rider: An attachment to a policy that modifies its conditions by expanding or restricting benefits or excluding certain conditions from coverage.
Risk: The chance of injury, damage, or loss.
Robbery: Theft of property while force is used or threatened
Saturation Diving: Saturation diving is based on the principle that the pressure of the dissolved gas in the blood and tissues is the same as that of the gas in the lungs. Basically, a diver goes down to a depth, perhaps 300 feet, and remains there until no more gas can dissolve in the tissues — the tissues are saturated with nitrogen. Once the saturation point has been reached, the time required for decompression will be the same no matter how much longer the diver stays at that depth, whether it be a minute, an hour, a day or a week. This principle has been used for divers who live and work in undersea habitats
Seaman: A Seaman, as defined in the Jones Act, is intended to be taken in its broadest scope, having a much broader definition than is traditionally associated with the word "Seaman". First off, a Seaman is not classified as a labourer. Instead, a Seaman is intended to include any person that furthers the mission of a vessel while assigned to that vessel or to a fleet of vessels.
In fact, a Jones Act, does not even need to be serving on an American ship. Anyone whose duties are maritime in nature, and performs those duties on a vessel, or in commerce, and in navigable waters, is classified as a Seaman under the Jones Act. This can be applicable even if the individual is not onboard a vessel at the time of injury. Employees serving onboard restaurant boats, tankers, freighters, jack-up rigs, semi-submersibles, towboats, tugboats, supply boats, lay barges, barges, fishing vessels, casino boats, and others, regardless of whether or not those boats are moored at port, can be classified as Seamen under the Jones Act, so long as the boat is in navigation during hours of operation.
Secondary Beneficiary: An alternate beneficiary designated to receive payment, usually in the event the original beneficiary predeceases the insured.
Short-Term Cancellation: Cancellation of an insurance policy prior to the expiration date in which a penalty in the form of a less than full pro-rata premium refund is allowed
Single Premium Policy: A whole life policy for people who want to buy a policy for a one-time lump sum, and then be covered for the rest of their lives without paying any additional premiums.
Situs: Having "situs" means the work is on or adjacent to navigable waters.
Special Causes of Loss Form: A cause of loss form providing coverage from all causes of loss unless specifically excluded or limited
Specified Causes of Loss Coverage: Auto physical damage coverage only for losses caused by the perils listed in the policy
Sprinkler Leakage Coverage: Coverage for property damage caused by the accidental discharge or leakage of water from automatic sprinkler systems or other fire prevention devices
Stevedores Legal Liability: Provides protection against legal liability for damage to vessels or cargo in their care, custody, or control
Stop Gap Coverage: In five states, workers compensation insurance is provided by a state fund, rather than by private insurance. The state fund is the exclusive source of workers compensation insurance in these states. North Dakota, Ohio, Washington, West Virginia, and Wyoming have monopolistic state funds. (Nevada recently abolished its state fund, and private insurers can now provide workers compensation insurance there.) Employers liability insurance is not offered by these state funds. Employers in these states need insurance protection for those claims or suits by employees that fall outside the immunity provided to employers under workers compensation statutes. To fill this gap, "stop gap" coverage is needed. Stop gap coverage provides a form of employers liability insurance for employers who do not have the coverage because they operate in a so-called monopolistic state. Coverage for defense costs is typically included.
Surplus Lines Insurance: Insurance written by insurers not licensed in the states where the risks are located and placed with such insurers under the surplus line laws of the various states. Before such placements can be made through specially licensed surplus line agents and brokers, state laws generally require evidence reported before some predetermined future date ('sunset')
Time Element Insurance: A term referring to property coverage for loss of earnings or income resulting from the inability to put damaged property to its normal use
Term Insurance: Protection during limited number of years; expiring without value if the insured survives the stated period, which may be one or more years but usually is five to twenty years, because such periods usually cover the needs for temporary protection.
Term: Period for which the policy runs. In life insurance, this is to the end of the term period for term insurance.
Third Party Owner: A policy owner who is not the prospective insured. The policy owner and the insured may be, and often are the same person. If for example, you apply for and are issued an insurance policy on your life, then you are both the policy owner and the insured and may be known as the policy owner-insured. If, however, your mother applies for and is issued a policy on your life, then she is the policy owner and you are the insured.
Towers Liability: Liability to a vessel and its cargo that you are towing or pushing
Transit Coverage: Coverage on the insured's property while in transit from one location to another, over land
Umbrella Liability Policy: A policy designed to provide additional protection against catastrophic losses covered under liability policies, such as the business auto policy, commercial general liability policy, watercraft and aircraft liability policies and employers liability coverage. It provides excess limits when the limits of the underlying liability policies are used up by the payment of claims and it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims. It also provides protection against some claims not covered by the underlying policies, subject to a self-insured retention
Underinsured Motorists Coverage: Provides coverage for bodily injury, and in some states property damage, for losses incurred by an insured when an accident is caused by a motorist who does not have sufficient insurance limits
Underlying Coverage: The insurance or coverage in place on the same risk that will respond to loss before the excess policy is called on to pay any portion of the claim
Underwriter: Company receiving premiums and accepting responsibility for fulfilling the policy contract. Also, company employee who decides whether the company should assume a particular risk; or the agent who sells the policy
Uninsurable Risk: A person who is not acceptable for insurance due to excessive risk.
Universal Life: An interest-sensitive life insurance policy that builds cash values. The premium payer has control over how the policy is structured. He has the flexibility to eliminate the premiums (essentially pay up the policy and pay no more premiums) or have the premiums continue for life. It is a matter of juggling three variables: the assumed interest rate, the cash value and the premium payment plan. The policy is interest-sensitive, and if interest rates change from the assumed interest, it will affect the other two variables. In the past, many Universal Life Policies were structured assuming a higher interest rate then was actually received, therefore, most of them have under performed. If you have a Universal Life Policy, you should have it evaluated to see if it needs to have the premiums adjusted to get it back on track. A fourth variable that has not been a factor but could be in the future, and the owner should be aware of, is the Mortality variable. Universal Life policies are usually structured assuming current mortality rates. The insurance companies reserve the right to change those rates.
Unearned Premium: That portion of the policy premium that represents the unexpired policy term
Uninsured Motorist Coverage: Provides coverage for bodily injury, and in some states property damage, for losses incurred by an insured when an accident is caused by a motorist who is not insured
Unseaworthiness: Unseaworthiness is a term found in case law that refers to any unsafe condition occurring on a "vessel" that causes an injury. The duty to provide a seaworthy vessel is a longstanding function of General Maritime Law. It is the duty of the owner of the "vessel" to provide a safe place to work and violation of that duty can give rise to a claim or lawsuit by a worker who is injured due to the unseaworthiness of the vessel. The word "vessel" is in quotations because the definition is not limited to a ship or boat. There is a broad legal definition of "vessel" that includes offshore oil rigs and production platforms, barges with no motors or sleeping quarters, helicopters, moored casino boats and company transportation on land.
USL&H: Means the United States Longshore and Harbor Workers Compensation Act, a federal law in many respects like any state's Workers' Compensation law, except that it only applies to employers and employees engaged in maritime work. For additional information CLICK HERE
Utility Service Interruption Coverage:Coverage for the loss to an insured due to lack of incoming electricity which was caused by damage from a covered cause of loss, such as a fire or windstorm, to property away from the insured's premises – usually the utility generating station. Also referred to as 'off-premises power coverage'
Vacancy Provision: Property insurance provision found in commercial property policies that restrict coverage in connection with buildings that have been vacant for a specified number of days, usually 60 days
Valuable Papers and Records Coverage : Coverage that pays the cost to reconstruct damaged or destroyed valuable papers and records and usually includes almost all forms of printed documents or records except money or securities; data processing programs, data and media are usually excluded
Vessel: Is a ship, boat, barge, or navigable work platform of any size.
Waiver of Premium: Rider or provision included in most life insurance policies exempting the insured from paying premiums after he or she has been disabled for a specified period of time, usually six months.
Waiver of Subrogation: Also known as 'transfer of rights of recovery,' the relinquishment by an insurer of the right to collect from another party for damages paid on behalf of the insured
Wharfinger's Legal Liability: Operators of commercial piers or wharves require coverage for specific protection for their unique needs. Wharfinger protection extends to: loss or damage to the property of others in the care, custody, and control of the Wharfinger; including tugs and tows, barges, their cargo and equipment; wreck removal.
Whole Life Insurance: Life insurance that is kept in force for a person's whole life as long as the scheduled premiums are maintained. All Whole Life policies build up cash values. Most Whole Life policies are guaranteed as long as the scheduled premiums are maintained. The variable in a Whole life Policy is the dividend which could vary depending on how well the insurance is doing. If the company is doing well and the policies are not experiencing a higher mortality than projected, premiums are paid back to the policy holder in the form of dividends. Policyholders can use the cash from dividends in many ways. The three main uses are: it can be used to lower or vanish premiums, it can be used to purchase more insurance or it can be used to pay for term insurance.
Workers' Compensation: Protection which provides benefits to employees for injury or contracted disease arising out of and in the course of employment. Most states have laws which require such protection for workers and prescribe the length and amount of such benefits provided


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Privacy Policy
PRV Retail Portal knows that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This notice describes our Privacy Policy. By visiting PRV Retail Portal, you are accepting the practices described in this Privacy Notice.
What Personal Information About Customers Does PRV Retail Portal gather?
The information we learn from customers helps us personalise and continually improve your shopping experience at PRV Retail Portal. Here are the types of information we gather.
Information You Give Us:
We receive and store any information you enter on our web site or give us in any other way. You can choose not to provide certain information, but then you might not be able to take advantage of many of our features. We use the information that you provide for such purposes as responding to your requests, customising future shopping for you, improving our store, and communicating with you.
Automatic Information:
We receive and store certain types of information whenever you interact with us. For example, like many web sites, we use "cookies," and we obtain certain types of information when your web browser accesses PRV Retail Portal. Scroll to the bottom of this page to see examples of the information we receive. A number of companies offer utilities designed to help you visit web sites anonymously. Although we will not be able to provide you with a personalised experience at PRV Retail Portal if we cannot recognise you, we want you to be aware that these tools exist.
What About Cookies?
Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your web browser to enable our systems to recognise your browser and to provide features such as Automatic Login and permanent Shopping Carts for storage of items in your Shopping Cart between visits. If you would like to know more, the "Help" section of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, cookies do allow you to take full advantage of some of PRV Retail Portal's best features, and we recommend that you leave them turned on.
E-mail Communications:
To help us make e-mails more useful and interesting, we often receive a confirmation when you open e-mail from PRV Retail Portal if your computer supports such capabilities. If you do not want to receive e-mail or other mail from us, please adjust your account to reflect this by selecting "Unsubscribe" in the Newsletter menu.
Does PRV Retail Portal Share the Information It Receives?
Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only with the subsidiaries PRV Retail Portal controls and as described below.
Affiliated Businesses We Do Not Control:
We work closely with our affiliated businesses. In some cases, these businesses operate stores at PRV Retail Portal or sell offerings to you at PRV Retail Portal. In other cases, we operate stores, provide services, or sell product lines jointly with these businesses. You can tell when another business is involved in your transactions, and we share customer information related to those transactions with that business.
We employ other companies and individuals to perform functions on our behalf. Examples may include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analysing data, providing marketing assistance, processing Credit Card payments, and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes.
Protection of PRV Retail Portal and Others:
We release account and other personal information when we believe release is appropriate to comply with law; enforce or apply our Conditions of Use and other agreements; or protect the rights, property, or safety of PRV Retail Portal, our users, or others. This includes exchanging information with other companies and organisations for fraud protection and credit risk reduction.
With Your Consent:
Other than as set out above, you will receive notice when information about you might go to third parties, and you will have an opportunity to choose not to share the information.
What Choices Do I Have?
As discussed above, you can always choose not to provide information, even though it might be needed to make a purchase or to take advantage of such PRV Retail Portal features as Automatic Login, and permanent Shopping Carts. You can add or update certain information on pages such as those listed in the My Account pages. When you update information, we usually keep a copy of the prior version for our records. If you do not want to receive e-mail or other mail from us, please adjust your account to reflect this in the Newsletter menu.
PRV Retail Portal does not sell products for purchase by children. We sell children's products for purchase by adults. If you are under 18, you may use PRV Retail Portal only with involvement of a parent or guardian.
Conditions of Use, Notices, and Revisions
If you choose to visit PRV Retail Portal, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of New Zealand. If you have any concern about privacy at PRV Retail Portal, please send us a thorough description to email@example.com, and we will try to resolve it. Our business changes constantly. This Notice and the Conditions of Use will change also, and use of information that we gather now is subject to the Privacy Notice in effect at the time of use. We may e-mail periodic reminders of our notices and conditions, unless you have instructed us not to, but you should check our web site frequently to see recent changes.
Information You Give Us
You provide most such information when you search, buy, bid, post, participate in a contest or questionnaire, or communicate with customer service. For example, you provide information when you search for a product; place an order; provide information in Your Account (and you might have more than one if you have used more than one e-mail address when shopping with us); communicate with us by phone, e-mail, or otherwise; complete a questionnaire or a contest entry form; by providing employer, school, or other such information; participate in Discussion Boards; or provide and rate Reviews. As a result of those actions, you might supply us with such information as your name, address, and phone number; people to whom purchases have been shipped, including address and phone number; other people; content of reviews and e-mails to us; and financial information.
Automatic Information
Examples of the information we collect and analyze include the Internet Protocol (IP) address used to connect your computer to the Internet; login; e-mail address; password; computer and connection information such as browser type and version, operating system, and platform; purchase history; the full Uniform Resource Locators (URL) clickstream to, through, and from our Web site, including date and time; cookie number; and products you viewed or searched for.

subset: commoncrawl


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Maidstone Taxi
Everyone wants to reach its desired spot on time without any delay. No matter, whether you are going on a trip with your friends or family or on a business trip. Our company's main goal is to offers you a comfortable and secure ride in Maidstone from/ to the Melbourne airport on time without any delay. Airport Taxi cabs Melbourne is always trying to raise the bar for taxi services in Melbourne. We Maidstone Taxi offers you the best and secure travel experiences every time you hire our service.
Our expert drivers are friendly and well experienced which always takes care of customer satisfaction. Our Taxi service will provide cab service at your doorsteps to the Melbourne airport at any time. We provide the best service to help with your all business, family, and friends tours which includes travel to and from the airports. We as Maidstone Taxi ensure that our customers can only depend upon us for their important travel trips around the clock throughout the year.
Everything We Provide Is Driven For You
We have focused on our services overtime to make it the best and suitable for all your needs. We provide our service without any delay so you will never late for your business meeting. Our corporate driver rides the cab so smoothly that you can do your business work without any disturbance and make important business discussions over the call. You Can Also attend your business conference calls during cab ride while feel relaxes in the back of your Cab.
Book Maidstone Taxi To/From Airport Melbourne
Airport Taxi Cabs Melbourne offers a wide range of fleets including SUV, wagon, And Silver top taxi.Our only aim to satisfy our customer needs. Hiring a taxi is an important part of your journey. We highly understand that it is very exhausting to book a taxi after long flight hours. Our taxi service provides a safe and secure airport taxi to Maidstone. If you are looking for a taxi from/to Melbourne Airport Transfer from/to Maidstone. Our Maidstone Taxi Service provides affordable and reliable taxi service in Melbourne.
Why Hire Our Cab Service?
If you are looking for a reliable and secure taxi service in Maidstone, we can here to help you. As we are a leading taxi Service Company in Maidstone offers you the best cab service all over in Melbourne or nearby places. Our 24 hours customer dealing service is here to provide all proper guidance as per your journey.


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Track Width | Track Pitch | Track Links |
650 | 125 | 57 |
*Measurements are in millimeters (mm) for Industrial Tracks, measurements are in inches (in) for Agricultural & Paver Tracks.
Global Track Warehouse produces and distributes replacement industrial rubber tracks for the majority of popular tracked machines in the North American construction industry. Our premium J'Tracks and rugged economical R'Tracks are designed as OEM replacement rubber tracks for most tracked machines including, mini excavators, skid steers, dumpers, trenchers, and track loaders. GTW also design our rubber tracks in a variety of different tread patterns to suit the surface your tracks are operating on. Staggered block, low impact, straight bar, multi bar, C-lug, zig-zag, T bar traction, and X pattern tracks are some of the thread patterns we offer. By putting over 20 years of expertise into the design of our rubber tracks, GTW have carefully crafted manufacturing technology designed to produce the strongest aftermarket industrial rubber tracks available in the construction industry today. We combine our revolutionary one-step moulding process with continuous-wound corrosion-resistant cables and premium natural rubber compounds to create consistently high-quality tracks. When you contact GTW, you'll be dealing with a knowledgeable and experienced sales team who can provide you a quote on the tracks you need in just a few short minutes. You also receive service from a group of people who understand how our tracks are produced, and how they will perform for you. As we provide a range of replacement aftermarket rubber tracks for John Deere, New Holland, Kubota, and Bobcat machines among others, you'll receive high-quality service and information, regardless of your brand of machine. With warehouses in Idaho, Illinois, New Jersey, and Tennessee, we will get you back on track in no time!


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Free products with | ||
Gift | : |
Vintage Large Rug, Oushak Area Rug, 5'9" x 8'7" feet 176 x 262 cm
Vintage and Nomadic Turkish Oushak Rug, Interior Design, Decorative Rug, Interior Design Rug
Wool on Wool Combination, Hand Woven Rug
Dyed by Nomadic Turkish Villagers
Design is Totally Bohemian and Traditional Turkish Design.
Size: 5'9 x 8'7 feet / 176 x 262 cm
Appx. 60 - 65 years old Vintage Piece
wool is % 100 hand spun wool
Design is Totally Bohemian and Traditional Caucasian Design
Ready Piece ..it is been washed .
***All photos were taken under natural day light and were not apply any photoshop.
As you know, it is a vintage rug and it is difficult to reflect all colors to photos as 100%.
The rug may seem slightly different under the artifical light especially indoors, you can notice the differences outdoors under the day light.
We accept Paypal and Transferwise. You can use a credit card by choosing the Paypal option and then selecting "credit card."
We ship worldwide. We DHL Express Shipping Services. Your piece will be shipped within three days and will be in buyer doorin five business days
The buyer is responsible for any Customs fees, taxes and brokerage fees.
Refunds and Exchanges,
I gladly accept returns, exchanges, and cancellations
Contact me within: 14 days of delivery
Ship items back within: 30 days of delivery
Request a cancellation within: 2 days of purchase
The following items can't be returned or exchanged
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
Custom or personalized orders
Perishable products (like food or flowers)
Digital downloads
Intimate items (for health/hygiene reasons)
Conditions of return
Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.


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Get Baked Text - Christmas Long Sleeve Shirt
Get Baked Text - Funny Christmas Sweater style shirts and apparel. Great for Christmas parties, office parties or gift ideas. ShirtInvaders™ brand designs are created with our unique vision, style, and attitude. We want to impress everyone with our quality, our creativity, our speed and our motivation... From our customers and competitors to our own designers and printers. We're not just a t-shirt shop, we are a unique brand with a hunger for success, a motivation to impress and a drive to set new industry standards.
We Also Recommend


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Loom Gunmetal fountain pen
B, anthracite shiny
Product details
- Metal barrel, matt gunmetal surface
- Embossed grooves on the grip for a comfortable writing posture
- Spring-loaded clip
- Detachable cap
- High-quality stainless steel nib in width B (broad)
- Equipped with a cartridge/converter system
- Fitted with a cartridge
- Cartridges in different colours available separately
- Converter can be purchased separately
- White gift box with attractive printed slip case
Loom Gunmetal fountain pen, B, anthracite shiny
Featuring a grip section with fine rings and a subtly curved form, Loom writing implements are varied and fascinating. They are characterised by luminous colours and an puristic elegance. The modern trio, consisting of a twist ballpoint pen, rollerball pen and fountain pen, captivates with a conical shape and the high-contrast interplay of matt and gloss effects. "Metallic" will add a colourful highlight to your college writing pad or desk. "Piano" embodies classical elegance and a fascinating lifestyle: the polished metal barrel sets off the pure white and black, while the varnish adds a trendy gloss to this series.


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Earn Risen 3: Titan Lords - Fog Island Steam Code For Free!
Risen 3: Titan Lords - Fog Island
How to earn Coins?
Complete Surveys
Play Games
Invite Friends
How Does It Work?
1. Register on OGloot
It literally takes few seconds to join OGloot. You can immediately sign up to our site with your existing Google account. It is completely safe and secure.
2. Start Earning Coins
Once you have created your account, you can start earning coins by simply answering paid surveys, play games, watch videos, or test apps and games.
We have partnered with top offer and survey providers so you will easily find something that suits you.
3. Redeem Steam Game Codes
After collecting enough coins, you can redeem your Free Risen 3: Titan Lords - Fog Island Steam Code. We'll make sure to deliver your reward within 24 hours. Our shop contains a whole bunch of other Steam Games too, we have more than 3000 Steam Games listed for you to redeem.
About Free Risen 3: Titan Lords - Fog Island Steam Game Code
Steam is the ultimate destination for playing and discussing games. With nearly 30,000 games from AAA to indie and everything in-between. Enjoy exclusive deals, automatic game updates, and other great perks. Experience gaming like never before!
How can I get my game code?
To receive your free Steam Game Key, all you have to do is sign up for an account on OGloot, answer a few paid surveys, watch videos, or complete offers and quickly redeem your coins for a steam code that we'll deliver to you through email.
Can you get steam games for free?
You can get free Steam games in multiple ways. You can earn coins on OGloot.com and redeem them for free Steam Game activation code. You can also earn coins by invite your friends. There are many games on Steam are free to download and play, even if they also include in-game microtransactions that you can pay for. We occasionally give games away for free.
Do Steam key generators work?
No, All of these keygens are fakes and usually lead to viruses and scams. Make sure you stay away from these and keep yourself safe.
How to redeem steam games?
Launch the Steam client software and log into your Steam account. Click the Games Menu. Choose Activate a Product on Steam... Follow the onscreen instructions to complete the process.
About Steam
Steam is a video game digital distribution platform developed by Valve Corporation. It was launched in September 2003 as a way for Valve to provide automatic updates for their games, but eventually expanded to include games from third-party publishers. The Steam platform is the largest digital distribution platform for PC gaming, estimated in 2013 to have 75% of the market space. By 2017, users purchasing games through Steam totaled roughly US$4.3 billion, representing at least 18% of global PC game sales. By 2019, the service had over a billion registered accounts with 90 million monthly active users.


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The pilots make ready their aircraft as they wait for the balloons to sail clear. More information about the Club and what they do can be found on their website. Follow this link……. http://www.miners-peak.com/ccrcc/
Utah is a state located in the westcentral region of the United States of America. Utah is the 13th largest state by area, ranks 34th by population and 10th by population density of the 50 United States. Utah was the 45th state to be admitted into the Union, on January 4, 1896. Utah is landlocked, being bordered by the states of Idaho to the north, Wyoming to the northeast, Nevada on the west, Colorado on the east and Arizona to the south. Utah is very mountainous and is a popular outing destination of the outdoorsman. The state population is about 2.82M with 95% being Caucasian, 2.4% Asian, 1.7% Native American and 1.3% Black. The state capital and largest city is Salt Lake City.Source: wikipedia


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You can save money during your visit by purchasing a $10 arcade card for only $5.00.
This registration is valid only at the above bowling center and cannot be used at any other bowling center unless otherwise noted.
All coupon notifications are sent via email to the parent or guardian on file. Please enter a valid email address otherwise notifications cannot be delivered.
All participants must wear bowling shoes - rental shoes available. Not good for use with daycare outings, camps, business or club outings, or birthday party celebrations.
Purchased Family Passes are valid for use only during posted Kids Bowl Free times and when bowling with a Kids Bowl Free child from your family. Valid for 2 Free Games Per Day, Per Person. Participating centers reserve the right to assign the number of lanes based upon the size of your group.
Standard shoe rental rates apply.


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Are you interested in shopping at uksneakers? Do you want to confirm whether is a legit uksneakers.uk online store or another scam?
Many people have questioned the legitimacy of uksneakers.uk. As a result, we decided to fully research it so that consumers may come to their own conclusions. So if you're looking for an unbiased review of uksneakers.uk, our special investigation findings will unquestionably show you everything you need to know.
What is uksneakers.uk
Online Store uksneakers offers top brands' sneakers. Additionally, the site offers a suspicious huge discount for all products. There are many factors you should consider before selecting it as your shopping location.
Company Address:
While legitimate businesses always include such information on their websites, this one does not. We won't trust such a corporation for our online buying because it is obvious that they are attempting to hide the information.
Website Age:
uksneakers.uk was registered recently in July 2022, which is quite recent, thus it lacks credibility.
Discounts and sales:
The site makes ridiculous, huge discounts on a number of the things it sells, which are too good to be true.
Copied content:
Lots of content, including its About Us page, product images are just copied from other websites. This happens a lot with scam websites. They misrepresent the products as being authentic while giving clients cheap knockoffs that they are unable to return.
No Social Media:
There is no Facebook page, Instagram or any other social media account of uksneakers.uk. This is another red flag also showing that the store is scam.
Customer Reviews:
There aren't any customer reviews on the website, which raises suspicions because every legitimate store always has plenty of reviews.
Customer Complaints:
Customers who have shopped at this store have posted reviews online complaining that it is fraud and that they never received the items they requested. And all attempts to get in touch with the shop for a refund were unsuccessful.
uksneakers.uk Contact Detail
Email: [email protected]
Phone: (+1) 234 5678 910
Is uksneakers.uk Legit of Scam
uksneakers.uk has a number of red flags based on the crucial criteria that were mentioned above.
It operates in the same manner as other fraudulent internet stores by advertising attractively low pricing in an effort to attract clients. However, when they place an order, they either receive a completely different item or a low-quality version of the item they requested, while other unfortunate consumers do not receive anything at all. This is a perfect example of the classic con known as "bait and switch."
uksneakers Reviews Conclusion
You now know some information regarding uksneakers Reviews based on our investigation. uksneakers.uk is obviously not a legit internet retailer based on all available evidence. We do not suggest it because of its low trust rating.
However, if you have used this online store, kindly let us know about your experience in the comment box below. This will allow us to determine whether the online store is legitimate or a fraud.
If you've been scammed, take this action!
Get in touch with your bank, complain, and ask for a replacement debit card. If you paid with Paypal, you should preserve a record of the transaction for reference. You can do this by saving a screenshot.
These days, a number of brand-new online stores claim to offer a wide range of goods at huge discounts, but the most of them are frauds. So, it's best to stay away from new online businesses or, at the very least, do some research before buying from a new online store. This is because most new online stores either don't deliver the things their customers bought or deliver something completely different or of lower quality. (Always Check out the following before placing an online order: Age of the website, customer testimonials, a return address, and a social media presence.)
Some scam online stores have even debited customers' credit cards at random without their permission. If you have ever bought something from a scam website, you should tell your bank or credit card company right away. This will keep your credit card information safe.
Additional Resources:
Domain name:
uksneakers.ukData validation:
Nominet was able to match the registrant"s name and address against a 3rd party data source on 25-Jul-2022Registrar:
Key-Systems GmbH [Tag = KEY-SYSTEMS-DE]
URL: https://www.key-systems.net/en/homepage
uksneakers.ukData validation:
Nominet was able to match the registrant"s name and address against a 3rd party data source on 25-Jul-2022Registrar:
Key-Systems GmbH [Tag = KEY-SYSTEMS-DE]
URL: https://www.key-systems.net/en/homepage
Relevant dates:
Registered on: 06-Jul-2022
Expiry date: 06-Jul-2023
Last updated: 25-Jul-2022
Registration status:
Registered until expiry date.
Name servers:
WHOIS lookup made at 10:25:22 03-Sep-2022
Traffic (Jul 2022):
Visits: 0
Unique Visitors: 0
Pages / Visit: 0
Avg. Visit Duration: 0
Bounce Rate: 0


text:
Letter Printed Small Square Crossbody Bag(BG8146)
Regular price $10.40Popular elements: Printing
Number of shoulder straps: Single
Applicable scenarios: Daily matching
Lifting parts: soft carry handle
Hardness: medium and soft
Suitcase shape: vertical model in square shape
Opening method: zipper
Size (CM):22*16*10
helarocky works to ensure that your privacy is protected when using our services. We, therefore, have a policy setting out how your personal data will be processed and protected. Any changes we have made to this privacy policy can be found by visiting us online.
Personal data
We take responsibility for all the personal data (such as your name, address, email address, phone number, date of birth, etc.) that you provide us with, that we obtain through purchases when you order catalogs, subscribe to our newsletter or when you create a personal profile at helarocky.com.
How do we use your personal data?
We use the information that we collect to fulfill our commitments to you and to provide you with the service that you expect. This includes sending you information and offers for marketing purposes. In order to provide you with relevant offers and information, we may analyze your personal data. We will only keep your data for as long as necessary to carry out our services to you or as long as we are required by law. After this, your personal data will be deleted.
Who has access to the data?
We never pass on, sell or swap your data to third parties for marketing purposes outside the Helarocky Group. Data that is forwarded to third parties is only used to meet Helarocky's commitments to you.
When registering or ordering on our site, you may be asked to enter your name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.
When visiting our website, we collect and summarize which web has been visited, the order of your browser and the information of linkway.
You authorize or agree to expose. Protect your lawful rights and interests or public security in emergency situations. Provide your personal information according to the requirements of the law.
We offer a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway provider's database which is only accessible by those authorized with special access rights to such systems.
When a transaction is over, your private information such as credit cards, social security numbers and financials will not be stored on our servers.
To process transactions. Your information will be only used for the express purpose of delivering the purchased product or service requested. Whether public or private, your information will not be sold, exchanged, transferred, or given to any other company for any reason without your consent.
User's personal information or images will not be used for advertising without the user's consent.
To give you a personalized experience. We can respond to your individual needs better by using this information.
To send emails. The email address you provide may be used to send information and updates pertaining to your order, receive occasional company news or service information, etc.
Note: If you would like to unsubscribe from receiving future emails at any time, you can find detailed unsubscribe instructions at the bottom of each email.
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There are two types of cookies: permanent and temporary (session cookies). Permanent cookies are stored as a file on your computer or mobile device for no longer than 12 months. Session cookies are stored temporarily and disappear when you close your browser session.
We use permanent cookies to store your choice of the start page and to store your details if you select "Remember me" when you log in.
We use session cookies when you use the product filtration function and to check if you are logged in.
You can easily erase cookies from your computer or mobile device using your browser. For instructions on how to handle and delete cookies please look under "Help" in your browser. You can choose to disable cookies or to receive a notification each time a new cookie is sent to your computer or mobile device.
Please note that if you choose to disable cookies, you will not be able to take advantage of all our features.
We use third-party cookies to collect statistics in aggregate form in analysis tools such as Google Analytics. The cookies used are both permanent and temporary cookies (session cookies). The permanent cookies are stored on your computer or mobile device for no longer than 24 months.
The helarocky.com website may include links to other websites which do not fall under our supervision. We cannot accept any responsibility for the protection of privacy or the content of these websites, but we offer these links to make it easier for our visitors to find more information about specific subjects.
The content of this website is copyright-protected and is the property of Helarocky.
Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.
We use cookies to benefit users. You can log in faster through saving your username and password in cookies.
Cookies help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We do not collect any information from anyone under 13 years of age. Our website, products, and services are all directed to people who are at least 13 years old or older.
This online privacy policy applies only to information collected through our website and not to information collected offline.
By using our site, you consent to our web site privacy policy.
If we decide to change our privacy policy, we will update the Privacy Policy modification date below:
This policy was last modified on 01/26/2016
If there are any questions regarding this privacy policy you may contact us using the information below:
Where can HELAROCKY deliver the package to?
Helarocky can ship worldwide, covering North and South America, Europe, Africa and so on. The shipping cost will be different in different regions, subject to website settlement, the shipping time is about 5-7 working days
How does HELAROCKY ship your order?
1.After placing an order, you will receive a product information confirmation e-mail;
2.After the payment, you will receive a successful payment confirmation e-mail;
3.After the order is shipped, you will receive a shipping information confirmation e-mail, contains tracking number, you can check the shipping state with the tracking number in https://www.17track.net/en
What shipping methods are offered? And how long does it take to ship?
The total time it takes to receive your parcel is described as below:
Total delivery time = Processing Time + Shipping Time
Processing time = the time between when you place an order and when we ship it;
Shipping time = the time between when your order has been shipped and delivered to you;
Processing time: within 3-8 business days
The time it takes to prepare your items to ship from our warehouse. This includes preparing your items, performing quality checks, and packing for shipment.
Shipping time:
Express Shipping:6-9 business days to ship
DHL Shipping: 4-7 business days to ship
Ocean shipping:25-30 business days to ship
The above time limit is for reference only, and the actual delivery time shall prevail.
Due to COVID-19, transportation has been restricted, which affects our ability to deliver products as quickly and efficiently as we do during normal times, international deliveries may take longer than usual.
HELAROCKY has partnered with major international shipping companies including but not limited to DHL, UPS, FedEx, IB, and EMS to offer shipping methods.
How much is the shipping cost?
The price depends on the weight of product, the destination, the shipping method, and other considerations. Detailed pricing information is visible when placing an order.
Choose the correct destination, then select the shipping method, to obtain an accurate shipping cost.
What is customs tax?
Taxes apply for imported goods/services and is regulated by the country law. HELAOCKY is not responsible for any tax charged on its products.If customs duties are incurred, the customer is required to bear the customs duties The amount of customs taxes are depend on policies and tax rates applied per country. Please contact local customs for clear information.
Important Notes:
1.Certain items are prohibited by some shipping carriers. If your order contains these items for the shipping carrier you selected, we will re-route your order via another carrier to ensure it arrives safely. This may require additional shipping time.
2.All estimated/typical delivery time are derived from real world data collected from past orders. They are approximate times for reference only.
3.HELAROCKY ships all packages from our warehouse and distribution center.


text:
Cambridgeshire Birth Certificate Replacement
This site exists to help you obtain a copy Cambridgeshire birth certificate as quickly and as easily as possible.
New feature available - Track Your Cambridgeshire Birth Certificate Order Online
Purchase a copy Cambridgeshire Birth Certificate Replacement, suitable for both legal and family history uses.
All Cambridgeshire birth certificates supplied are full long official copies. The UK birth certificate will normally include full name of the child, mother's name, father's name (when registered), DoB, where born (Cambridgeshire) and registration district (England).
Order a Cambridgeshire Birth Certificate Replacement
Order a copy replacement birth certificate, suitable for both legal and family history uses. If you have lost your UK birth certificate, or need one for family history purposes, this replacement copy will help you.
Duplicate Birth Certificates are often essential to prove identity when applying for:
Bank accounts
Social Security
Employer ID
Driving licence
Visas and Immigration
N.B. Please note that the Birth Certificate will show the Child and Parents names (This is called The Full Birth Certificate)
What you will get?
You will receive a Cambridgeshire Birth Certificate. These are officially known as Certified or Extract Copies, as they are issued based on the original that was stored when the birth originally took place. This does not mean you will receive a photocopy! You will get a newly printed certificate, as good as the original. The only difference is that the date of issue will be different.
What a Cambridgeshire birth certificate contains?
A copy birth certificate would contain full name of the child, place of birth (Cambridgeshire), date of birth, father's name and occupation (if father was present at the time of birth registration), mother's name, and also mother's maiden name.
Copy of a Cambridgeshire Birth Certificate Replacement
All copy birth certificates we supply are fully certified copies which are suitable for all official purposes. Some reasons for obtaining a certificate include an application for copy marriage certificate, applying for an academic course, applying for a passport or a driver's licence. One of the most common reasons is that the original certificate was lost or mislaid.
Birth certificate replacements do not require a signed release or similar for
the order to be processed. Nor does further documentation (e.g. driver's licence or passport) have to produced.
Generally, there will be no special needs for the order to be completed, beyond the initial supplying of information and
Types of birth certificates
There are two types of birth certificates.
The full birth certificate contains all the recorded details provided at the time of registration in the entry of the birth register.
The short birth certificate only gives the child's full name, sex, date and place of birth (Cambridgeshire). It does not give the name and particulars of the mother or father, a short birth certificate is issued free of charge when a birth is first registered.
I live outside the UK. Will my Cambridgeshire birth certificate be accepted for use outside the UK?
If you are using the birth certificate to get a British Passport, regardless of where you reside, you can use the birth certificate without any legalisation process.
For overseas clients, that need to validate the authenticity of the certificate as having been produced in the UK, we also offer an apostille/legalisation service, whereby an apostille is attached to the reverse of the certificate. We always recommend checking with whoever you are presenting the certificate to, to identify if the apostille stamp is needed.
The Apostille Certificate is normally requested by foreign authorities and organisations so that the certificate can be used for official purposes outside of the UK. This means that the documents have to be legalised correctly before you travel and often within a specific time period.
Legalisation is usually required by foreign authorities before they will allow a UK certificate to be used for official purposes in their country. Apostille Certificates issued in the UK will be accepted but for the following countries they would require further legalisation. Obtain further Legalisation for the Middle East, UAE Legalisation Service, Qatar Legalisation Service or Kuwait Legalisation Service or Egypt Legalisation Service.
Replacement of a lost Cambridgeshire birth certificate
The minimum information we will require for a birth record in Cambridgeshire is:
- Did the event take place in Cambridgeshire?
- Was the person adopted
- Full name at birth
- Year of Birth
- Full name of Mother
We can carry out searches of birth records in the Cambridgeshire area for details of births usually for copy birth certificates. Copy birth certificates can only be obtained via the online order form, the certificate would contain the birth details first registered.
Further Information for Cambridgeshire records
Registers of births, marriages and deaths
Copies of birth certificates
Copies of marriage certificates
Copies of death certificates
Copies of divorce certificates
Apostille Certificate Service
Family History certificates
Apply via the Post
To apply via the post, write to the following address:
UK Official Records
(Cambridgeshire Birth Certificate)
4200 Waterside Centre


text:
Marlow White's swords and sabers have ceremonial blades. As such, they are built to strict military regulations to be used in drills, ceremonies, and displays. These blades are of the highest quality but are not sharpened for use as a weapon.
3rd Armored Cavalry Regiment CSIB
- Pin-on badge worn on the Army Service and Mess Uniforms.
CSIB (Combat Service Identification Badge): pin-on badge worn on the Army Service and Mess Uniforms.
Frequently Asked Questions:
What do I wear if my CSIB is not produced yet? Through an ALARACT message, the Army authorizes the temporary wear of the following badges: Multi-National Force-Iraq, USAE US Forces-Afghanistan, and Special Operations Command, Pacific for Iraq, Afghanistan, and the Philippines respectively.
My brother's roommate's cousin found my unit's badge, but no one else has seen it. Why? Replica and fake CSIB's are out there. Click to learn how to identify authentic Heraldic items so you know the difference.
When is my unit's CSIB becoming available? The Institute of Heraldry maintains a list of the completed CSIB designs. If your unit is not on the list, there is a good chance the badge is in design. We recommend occasionally checking the TIOH website to see if the unit page has an updated CSIB design listed.
Why is it taking so long to make these? Each CSIB has to go through an approval process with the Institute of Heraldry. There will be around 500 different CSIB's produced and the entire process will take about 5 years.