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object
objective findings
obligatory treaty
obligee
obligor
occupational accident insurance
occupational classification
occupational disease
occupational injury
occupational manual
occurrence
occurrence policy
occurrence year
ocean marine coverage
of counsel
off-balance-sheet risk
off-duty coverage
offer
offer of judgment
office burglary and robbery
Office of Motor Carrier Standards (OMCS)
off-premises power coverage
offset clause
offshore captive
omnibus clause
on-demand bonds, bank guarantees
ongoing operations
Online Privacy Protection Act of 2003 (AB68)
onshore captive
open perils
open rating
open stock burglary policy
operating cash flow
operating earnings
operational capital
operational risk
operational risk financing securities (ORFS)
operational risk management (ORM)
operators extra expense (OEE)
optimization
optimum level of risk retention
option
optionally renewable
option backdating
option instruments
option spring-loading
opt-out lawsuits
ordinance or law coverage
ordinary construction
ordinary life
ordinary payroll limitation or exclusion endorsement
organizational documents
organizational risk
organizing
original gross premium (OGP)
original insurer
ostensible agency liability
other insurance clause
other states coverage
other structures: homeowners policy
other-than-collision coverage
other underwriting income
outcomes measurement
outer continental shelf
Outer Continental Shelf Lands Act (OCSLA) of 1953
out of employment
outplacement services
outside directors
outside directorship liability coverage
outstanding losses
outstanding loss reserves (OSLR)
outstanding premiums
overall operating ratio
overinsurance
overlapping insurance
over-line
override
overriding commission
overtime surcharge
owner controlled insurance program (OCIP)
owner-operator
owners and contractors protective (OCP) liability coverage
ownership clause
owners, landlords, and tenants (OL&T) liability policy
owners protective errors and omissions insurance coverage
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operating cash flow

Underwriting cash flow plus investment income, and plus or minus other income statement cash flows.
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