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​Best-in-class personal and business insurance solutions customized for CPAs, their families and firms.

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Occupational Hazards
Occupations which expose the insured to greater than normal physical dangers by the very nature of the work in which the insured is engaged, the varying periods of absence from the occupation, due to the disability, that can be expected.

Option
Most life insurance policies provide options with respect to settlement arrangements, dividends, and nonforfeiture values.

Optionally Renewable Contract
A contract of health insurance in which the insurer reserves the right to terminate the coverage at any anniversary or, in some cases, at any premium due date, but does not have the right to terminate coverage between such dates.

Ordinary Life Insurance
Life insurance which is owned by an individual and usually has a face amount of more than $1,000.

Other Assurance Services
Any service that is designed to examine, review or perform agreed-upon procedures on specific subject matter, or an assertion about subject matter, that is the responsibility of another party.

Overhead Insurance
A type of short-term disability income contract that reimburses the insured person for specified, fixed, monthly expenses, normal and customary in the operation and conduct of his or her business or office.

This information should not be construed as legal advice or a legal opinion on any factual situation. This summary is for illustrative purposes and is not a contract. It is intended to provide a general overview, at the time first posted, of the topics described. Only the insurance policy can give actual terms, conditions and exclusions.