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For example, the storing of explosives in a home basement is a hazard that increases the probability of an explosion. The coverage is limited to the terms, limits and conditions of the policy contract. Losses Incurred Pure Losses — Net paid losses during the current year plus the change in loss reserves since the prior year-end. Auto Theft — Theft of an auto is a type of loss covered under comprehensive coverage. Coinsurance — An insurance-related term that describes a splitting or spreading of risk among multiple parties. Stop Loss — Any provision in a policy designed to cut off an insurer's losses at a given point. Insurable Interest — Interest in property such that loss or destruction of the property could cause a financial loss. Many insurance policies provide such coverages, but the two most often used are the Commercial Package Policy and the Business Owners Policy. Home About Apollo Claims Carriers. Covers others against bodily injury or property damage Medical: Casualty — Liability or loss resulting from an accident. His many hobbies include cooking, baking and winemaking.

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