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object
objective findings
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occupational accident insurance
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Online Privacy Protection Act of 2003 (AB68)
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operators extra expense (OEE)
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organizational documents
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organizing
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other states coverage
other structures: homeowners policy
other-than-collision coverage
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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
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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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organizational risk

The business, treasury, and pure risks of an organization (i.e., all exposures, hazards, and perils, whether traditionally the subject of insurance or not), which collectively create uncertainty as to the financial outcome of an enterprise. See also Enterprise risk management.
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