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In County of San Diego, the California Supreme Court again focused on specific wording in the insuring agreement, but held that excess policy language restricted coverage to court-ordered money judgments and did not include cleanup expenses incurred in responding to government orders.
Insuring to replacement cost gives you the option to either replace the asset or take actual cash value settlement.
This form of disability insurance is a very specialized area of underwriting because you are talking about not even insuring the whole person, but what you are insuring is something another underwriter won't insure," Thomas said.
One possible explanation is that PMI companies, when insuring the risk of mortgages with high loan-to-value ratios, provide the best value for individuals with higher-incomes (but little wealth).
Fueling the growth was the continued rapid expansion in the asset-backed market, with AFGI members insuring $219 billion in U.