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labor contractor
Lamb-Weston rule
lapse
lapse ratio
large deductible plan
large line capacity
laser exclusion
last injurious exposure
latent defect
lateral hire
laundry listing
law clerk
law enforcement officers liability
law of large numbers
lawyers professional liability coverage
layering
lay-up
lay-up warranty
LC5-lethal concentration
LD50-lethal dose
leading
lead reinsurer
lead umbrella
lean construction
leasehold interest
legal action against insurer
legal liability coverage form (ISO)
Legal Principles Claim Specialist (LPCS)
legal risk
lender liability
lenders liability coverage
lenders loss payable endorsement
lessee
lessees of safe deposit boxes coverage form I
lessor
less than truckload (LTL)
letter of credit (LOC)
leverage
liability
liability for guests' property, premises coverage form L
liability for guests' property, safe deposit box coverage form K
liability insurance
liability limits
Liability Risk Retention Act of 1996
libel
liberalization clause
license
license and permit bond
licensed insurer/reinsurer
lien
life expectancy
life insurance trust
Life Office Management Association (LOMA)
Life Underwriter Training Council (LUTC)
Lilly Ledbetter Fair Pay Act of 2009
limit
limitation of liability clause
limitation of risk
limited liability company (LLC)
limited losses
limited Mexico coverage endorsement
limited severability provision
limit of insurance
limit of liability
"limits reduction" provision
limits under multiple policy (LUMP) years
line
line of business
line sheet
line slip
liquidated damages
liquidity
liquidity ratio
liquidity risk
liquor law liability (dramshop)
litigation
litigation management
little Miller Acts
livestock collision
livestock coverage form
livestock mortality insurance
Lloyd's broker
Lloyd's central fund
Lloyd's managing agent
Lloyd's members' agent
Lloyd's of London
Lloyd's syndicate
Lloyd's underwriter
loan-backs
loan participation coverage
locality standard
London form (BFPD)
Longshore and Harbor Workers' Compensation Act (LHWCA) of 1927
long tail liability
long-term disability (LTD) income insurance
long-term insurance
loss
loss adjustment expense (LAE)
loss assessment
loss carryforward
loss conditions
loss constant
loss control
loss conversion factor (LCF)
loss costs
loss damage waiver (LDW)
loss development
loss development factor (LDF)
losses incurred
losses in excess of policy limits
loss forecasting
loss limit
loss limitation
loss loading (multiplier)
loss mitigation underwriting (LMU)
loss of consortium suits
loss of income coverage
loss payable clause
loss payee
loss payout curve
loss pick
loss portfolio agreements
loss portfolio transfer (LPT)
loss prevention
loss rating
loss ratio
loss ratio coverage
loss reduction
loss report
loss reserve
loss reserve stability
loss sensitive plans
loss trending
loss triangle
lost policy release
lowest achievable emission rate
low speed vehicle (LSV)
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loss loading (multiplier)

A factor applied to pure loss costs or expected losses to produce a premium rate. The multiplier is applied to an account for insurer overhead, profit, and contingencies that are in addition to anticipated loss amounts.
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