Glossary

A hacktivist is a person who engages in malicious Internet activities in an effort to effect social change rather than personal profit.

Hands-on assistance refers to the physical assistance of another person without which a person would be unable to perform one or more of the activities of daily living (ADL).

Hangar keepers liability insurance covers damage to or destruction of the aircraft of others while in the insured's custody for storage, repair, or safekeeping and while in or on the scheduled premises.

A hard market is the upswing in the insurance market cycle, when premiums increase, coverage terms are restricted, and capacity for most types of insurance decreases.

Harper Group v. Commissioner is one of three cases decided in January 1991 in which premiums paid to wholly owned insurance companies were deemed deductible expenses.

A hazard is a condition that increases the probability of loss.

A hazardous/enumerated procedures exclusion is found in the majority of physicians professional liability insurance policies and precludes coverage for a specific list of medical procedures.

The hazardous ranking system is the principle screening tool used by the Environmental Protection Agency (EPA) to evaluate risks to public health and the environment associated with abandoned or uncontrolled hazardous waste sites.

Hazardous waste is a technical term under the Comprehensive Environmental, Response Compensation, and Liability Act (CERCLA) for chemical or other products considered hazardous or sources of hazardous waste.

Hazard class pricing is a rating method used by some underwriters to price miscellaneous professional liability (MPL) insurance policies.