Glossary

Substandard refers to "less than standard" risk.

Substitute notice is a type of general notification communicated via website, media, and email that entities may be permitted to substitute for individual notices to affected consumers in the event of a data breach that results in their personal information being exposed.

The substitute physician coverage endorsement refers to an endorsement sometimes attached to physicians professional liability insurance policies providing coverage for a substitute physician who treats the insured physician's patients in the insured's absence.

A successor life rider is a survivor life insurance policy rider that guarantees that the survivor can increase their original face amount by a predetermined amount without evidence of insurability after the death of the other insured under the policy.

This exception to the 1973 comprehensive general liability (CGL) pollution exclusion preserved coverage with respect to pollution incidents that were "sudden and accidental."

A sue and labor clause found in an ocean and inland marine insurance provision requires the insured to protect damaged property from further loss once a loss has occurred.

The suicide provision is a provision found in most life insurance policies that provides that if the covered individual dies as a result of suicide within 2 years of the policy issued date, the policy will not pay the death benefit.

A summary judgment is based on the judge's conclusion that the litigation involves only a question of law, with no associated questions of fact.

A summons is an instrument used to commence a civil action or special proceeding and as a means of acquiring jurisdiction over a party.

A sump pump is found at the lowest level of a building. Its purpose is to pump water away from the foundation.