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GLOSSARY

 GLOSSARY TERMS by Alpha
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Safe driver plan
Salvage
Savings Element
Schedule
Seasonal risk
Second-to-Die Insurance
Secondary beneficiary
Self-insurance
Self-Insured Retention (SIR)
Selling price clause
Seperate Account
Settlement
Settlement Options
Severability
Shock loss
Short tail
Sidetrack agreement
SIG
Single interest policy
Single premium policy
Sistership exclusion
Sliding scale dividend plan
Smoke damage
Society of Chartered Property & Casualty Underwriters
Soft costs and rents
Soft market
Solicitor
Solvency
Special agent
Specific excess reinsurance
Specific insurance
Speculative risk
Split limits
Sprinkler leakage insurance
Stacking of limits
Standard risk
Stated amount
Statutory Accounting Principles (SAP)
Stock life insurance company
Stop loss
Strict liability
Structured Settlements
Subrogation
Subsidence
Substandard risk
Sue and labor clause
Superfund
Superintendent of Insurance
Supplemental extended reporting period
Surety Association of America (SAA)
Surface water
Surplus
Surplus share reinsurance
Surrender Value
Survivor Benefit
Syndicate

Surface water

Commonly known as water on the surface of the ground usually created by rain or snow, which is of a casual or vagrant character, following no definite course and having no substantial or permanent existence. Some insurance policy may include surface water as a covered peril but exclude "flood" when defined as the overflowing of water from its natural boundaries, such as a lake or river.

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