Glossary

A fire brigade is a specified group of employees of an organization that are designated and trained to perform certain actions in the event of a fire affecting their facility. Their responsibilities include the notification of the fire department, evacuation of the premises, securing the facility, and removing essential files or materials. In some cases, the fire brigade may have actual firefighting assignments. The fire brigade can range in size from two people to a large crew of firefighters.

Fire department service charge coverage in a property insurance policy pays for charges imposed by a fire department for their services in fighting a fire, usually subject to a separate limit of insurance, such as $1,000.

Fire legal liability coverage is the coverage of a tenant's liability for damage by fire to the rented premises (including garages) that the tenant occupies. Such coverage is usually provided as an exception to policy exclusions applicable to property in the insured's care, custody, or control (CCC). Under the standard commercial general liability (CGL) policy, fire legal liability of the named insured is covered subject to the "damage to premises rented to you" limit.

Fire resistive construction is one of six building construction categories established by Insurance Services Office, Inc. (ISO), in its Commercial Lines Manual (CLM) for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The CLM description of fire resistive construction, followed by the associated ISO construction code, is exterior walls, floors, and roof of masonry or fire-resistive materials with a fire resistance rating of at least 2 hours (Construction Code 6). The construction code indicates the ranking of this building construction category within the six categories, with 1 as the least fire-resistive and 6 as the most fire-resistive.

A fire wall is designed to prevent the spread of fire from within one part of a building to another. True fire walls are rated according to the number of hours that the wall is expected to withstand a fire—for example, a 2-hour fire wall.

FIRMette is a section of a flood insurance rate map (FIRM) developed by the Federal Emergency Management Agency (FEMA) that can be created online by selecting the desired area from an image of a FIRM. The FIRMette also includes the map title block, north arrow, and scale bar. Like the FIRM, the FIRMette can be used in many aspects of the National Flood Insurance Program (NFIP), including floodplain management, flood insurance, and the enrollment of mandatory flood insurance purchase requirements. Online FIRMettes are the simplest way to see a flood map for a specific location.

First-party insurance is insurance that applies to the insured's own property or person.

The first advised clause was used in the 1960s in certain global slip excess-of-loss reinsurance treaties written by underwriters participating in the Lloyd's of London marketplace. It provided as follows: [t]his Contract does not cover any claim or claims arising from a common cause, which are not first advised during the period of this Contract. It is part of a larger common cause coverage meant to allow the cedent to cumulate losses ("occurrences") and cede them to the excess-of-loss treaty when the individual losses all arise out of a larger common cause. This Contract does not cover any claim or claims arising from a common cause, which are not first advised during the period of this Contract. It is part of a larger common cause coverage meant to allow the cedent to cumulate losses ("occurrences") and cede them to the excess-of-loss treaty when the individual losses all arise out of a larger common cause (occurrences during the term of the contract that are the "probable common cause or causes" of more than one claim).

First bite is used in reference to auto financial responsibility laws that do not require motorists to furnish evidence of financial responsibility until after a serious traffic violation or an accident involving bodily injury (BI) or property damage (PD) over a certain amount.

First class mail coverage is a policy providing all risks coverage for shipments of the insured and shipments between the insured's offices of negotiable and nonnegotiable securities and detached coupons by first class mail. Also covered are shipments of nonnegotiable securities and detached coupons from the insured to others.