Glossary

A predominate cause is the peril having the most significant impact in bringing about the loss in a situation involving two independent perils that operate concurrently to produce the loss, as determined by the courts.

A preexisting condition is a health or physical condition that existed prior to the effective date of a medical insurance policy.

A preferred provider organization (PPO) is a group of doctors and hospitals that join together to dispense medical services to specified user groups at discounted costs.

Any preferred risk is considered as having lower potential loss frequency and severity than the standard or "average" risk upon which premium rates are calculated.

The Pregnancy Discrimination Act (PDA) of 1978 is an amendment to Title VII of the Civil Rights Act of 1964.

Preliminary term is term life insurance coverage that is in effect until the policy date is established during the application and underwriting process.

Premises-operations is one of the categories of hazards ordinarily insured by a general liability policy.

Premises is the term used in a property insurance policy to indicate the location where coverage applies.

Premises burglary coverage is the Insurance Services Office, Inc. (ISO), crime form E, CR 00 06. Covers loss of property, other than money and securities, stolen from within the insured's premises or taken from a watch guard inside the premises.

Premises theft and outside robbery coverage form H is Insurance Services Office, Inc. (ISO), crime form (CR 00 09) that covers property other than money and securities for theft from inside the premises and robbery of a messenger away from the premises.