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Rating Bureau

An organization that classifies and promulgates rates and in some cases compiles data and measures hazards of individual risks in term of rates in a given territory.

Replacement Cost

The cost of replacing property.


Canceling an insurance policy due to nondisclosure of a material fact or misrepresentation of a material fact on an insurance application.


An amendment attached to a policy that modifies the conditions of the policy by expanding or decreasing its benefits or excluding certain conditions from coverage.


The chance of loss. Also, a person or thing insured.