Glossary

Hostile fire is a fire that becomes uncontrollable or expands outside its intended boundaries. For example, a fire set intentionally to burn brush becomes hostile if it spreads to other property; likewise, a fire that becomes much hotter than it is supposed to be or that cannot be extinguished is hostile even if it never spreads from the location where it was intentionally kindled. Contrast with friendly fire.

Hostile work environment sexual harassment is a form of sexual harassment occurring when such conduct has the purpose or effect of unreasonably interfering with an individual's work performance or creating an intimidating, hostile, or offensive working environment. Coverage for such claims is covered under employment practices liability (EPL) policies.

Host liquor liability is the liability for bodily injury (BI) or property damage (PD) arising out of the serving or distribution of alcoholic beverages by a party not engaged in this activity as a business enterprise. Host liquor liability exposures are insurable under standard general liability policies.

A hotline is a "value added" service accompanying an employment practices liability insurance (EPLI) policy. A "hotline" allows insureds to call a human resource professional or employment attorney, sometimes on a 24-hour basis, in the event there is an employment-related event that could affect the coverage provided by the policy. For example, if an insured corporation suddenly decides to close a given manufacturing plant, the insured could call the hotline and receive immediate advice on how to handle the announcement and any problems resulting from it. The intent of "hotlines" is to provide the insured with expert instant advice, aimed at reducing the exposure to employment practices liability (EPL) claims.

The Houshold Goods Transportation Act of 1980 provided a nonjudicial dispute settlement program for the carriage of household goods.

Hull coverage is marine or aviation insurance covering damage sustained to an insured vessel or airplane.

Hull coverage (aircraft) provides coverage for physical damage to aircraft. Although many aircraft insurance policies include physical damage or "hull" coverage, such coverage may be written as a separate policy. Hull coverage is typically subdivided to address aircraft while in motion and while not in motion. Thus, many aircraft insurance policies include physical damage or "hull" coverage. Hull coverage may also be written as a separate policy. Coverage may apply on a named perils or an open perils/all risks basis. Hull coverage is typically subdivided to address aircraft while in motion and while not in motion. Hull coverage is usually subject to a deductible, which varies depending on insurer, the type of aircraft, and its age. Exclusions applicable to hull coverage include conversion or embezzlement, wear and tear, mechanical breakdown, electrical failure, and damage to turbine engines caused by excessive heat from operation or shutdown of the engine. Hull coverage is normally written on a valued basis, with the value of the aircraft determined at policy inception and the amount listed in the declarations. If the aircraft incurs a total loss, the insurer pays the scheduled value less the applicable deductible. If the aircraft incurs a partial loss, the insurer generally will pay no more than the scheduled value.

Humana v. Commissioner is a 1989 tax case won by taxpayers establishing deductibility of premiums paid by or for brother/sister subsidiaries to a captive insurance subsidiary. Parent premiums were still not deemed deductible, however [881 F.2d 247 (6th Cir. 1989)].

The human equivalent dose refers to a dose that, when administered to humans, produces an effect equal to that produced by a dose in animals.

Human life value refers to the monetary value of a human life, measured by determining the net present value of benefits that others (the decedent's spouse, dependents, partners, or employers) might reasonably expect to receive from the future efforts of the individual whose life is being valued. The amount of HLV is used to calculate the benefit amount needed to replace lost future earnings of a wage earner to set the amount of life insurance or the amount of a liability award or settlement. It is also known as the economic value of an individual life.