Glossary

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.

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.

A hotline is a "value added" service accompanying an employment practices liability insurance (EPLI) policy.

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.

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.

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 hurdle rate is the internal rate of return established in an organization as necessary to justify investment in an operation, based usually on the short-term cost of borrowing.