Glossary

The domino theory is a theory of accident causation and control, that was developed by H.W. Henirch. It purports that all accidents, whether in a residence or a workplace environment, are the result of a chain of events. The chain of events consists of the following sequential factors: ancestry and social environment, an individual's mistake, an unsafe action and/or physical hazard, the actual accident, and an injury as the result of the preceding factors. These factors are described as dominoes, and the removal of any one of these five factors can prevent the accident.

Dose-response assessment is estimating the potency of a chemical.

Dose-response relationship is the quantitative relationship between the amount of exposure to a substance and the extent of toxic injury or disease produced.

Dose response is the degree to which a biological organism's response to a toxic substance quantitatively shifts as its overall exposure to the substance changes.

Double excess coverage is a provision within directors and officers (D&O) liability policies covering an insured director's or officer's work in conjunction with an outside firm, usually a nonprofit organization.

Double indemnity refers to payment by a life insurance policy of two times the face value when death results from an accident (e.g., an auto accident) as opposed to a health problem (e.g., cardiac arrest).

Double protection refers to a form of life insurance combining whole life with an equal amount of term, with the term expiring at a future date, usually age 65.

A downsizing exclusion is an exclusion sometimes found within employment practices liability insurance policies that precludes coverage for claims resulting from large-scale layoffs within the insured organization.

Draft authority is the authority insurers grant to some agents to issue claim drafts on their behalf.

Dramshop liability is imposed upon those in the business of serving alcoholic beverages for loss arising out of the intoxication of patrons.