Glossary

An ice dam is an accumulation of frozen water in the gutter system and at the roof edge that prevents subsequent drainage of melting snow from leaving the roof/gutter system.

Identity theft coverage applies to losses incurred by an individual from an imposter obtaining key pieces of personal information, such as Social Security or driver's license numbers, that allow the imposter to impersonate the insured.

An idiopathic injury is one that arises spontaneously and has no identifiable cause.

Immediately dangerous to life and health refers to the maximum level to which a healthy individual can be exposed to a chemical for 30 minutes and escape without suffering irreversible health effects or impairing symptoms.

Immediate annuity is an annuity purchased with a single premium under which payment to the annuitant begins at the end of the first prescribed payment period.

Immigration violation coverage endorsement is a type of endorsement sometimes added to employment practices liability insurance (EPLI) policies and provides some coverage for violations of immigration laws.

An impaired physicians exclusion is found within the majority of physicians professional liability insurance policy forms eliminating coverage of claims that result from acts committed while a doctor is under the influence of alcohol, narcotics, or other controlled substances.

Under commercial general liability (CGL) coverage, impaired property has sustained loss of use because it incorporates the insured's defective product or work and can be restored to use by the repair, removal, or replacement of the defective product or work.

An impaired risk is a substandard, or less desirable than average, risk.

Impairment is the loss of physical or mental function as a result of an injury or illness.