Below you will find a list of all coverage types Evident supports and your Relying Party may be asking for. Expand each section to view definitions and common terms you may see on a Certificate of Insurance.
Aviation Liability
Definition: Insurance coverage that protects aircraft owners, operators, and aviation businesses against liabilities arising from aircraft operations, including bodily injury, property damage, and aircraft accidents.
Common Policy Names: Aircraft Liability Coverage, Aviation Indemnity Insurance, Aircraft Accident Insurance
Criteria You May Be Asked For: Additional Insured, Combined Single Limit, Expiration Date
Bailees Insurance
Definition: Insurance coverage that protects individuals or businesses that temporarily hold the property of others (bailees) against liabilities for damage, loss, or theft of the property while it is in their care, custody, or control.
Common Policy Names: Bailee's Coverage, Bailment Insurance, Goods in Custody Insurance
Criteria You May Be Asked For: Additional Insured, Bailees Coverage Limit, Expiration Date, Garage Keepers Limit
Builders Risk
Definition: Insurance coverage that protects construction projects or renovations by providing coverage for property damage or loss during the course of construction, including materials, equipment, and structures.
Common Policy Names: Construction Insurance, Course of Construction Coverage, Renovation Insurance
Criteria You May Be Asked For: Collateral, Expiration Date
Cargo Liability
Definition: Insurance coverage that protects businesses involved in the transportation or shipment of goods against liabilities for damage, loss, or theft of the cargo while in transit or in the care of the insured.
Common Policy Names: Freight Liability Insurance, Shipment Liability Coverage, Goods Transportation Insurance
Criteria You May Be Asked For: Expiration Date, Per Occurrence Limit
Collective Personal Accident Insurance
Definition: Insurance coverage that provides financial compensation or benefits to a group of individuals in the event of accidental injuries, disability, or death occurring within the scope of their covered activities.
Common Policy Names: Group Accident Coverage, Personal Accident Group Policy, Accidental Injury Insurance
Criteria You May Be Asked For: Currency, Expiration Date
Commercial Auto Liability
Definition: Insurance coverage that protects businesses against liabilities arising from the use of commercial vehicles, including bodily injury or property damage caused to others in accidents involving the insured vehicles.
Common Policy Names: Business Vehicle Liability Insurance, Commercial Vehicle Liability Coverage, Auto Liability for Businesses
Criteria You May Be Asked For: Additional Insured, Automobiles Covered, Bodily Injury Per Accident, Bodily Injury Per Person Limit, Combined Single Limit Each Accident, Currency, Expiration Date, Primary & Noncontributory, Property Damage Per Accident Limit, Waiver of Subrogation
Commercial Auto Physical Damage
Definition: Insurance coverage that protects commercial vehicles against physical damage or loss resulting from collisions, theft, vandalism, or other covered perils.
Common Policy Names: Commercial Vehicle Physical Damage Coverage, Business Auto Collision and Comprehensive Insurance, Auto Physical Damage for Commercial Vehicles
Criteria You May Be Asked For: Collateral, Expiration Date
Commercial Crime
Definition: Insurance coverage that protects businesses against financial losses resulting from crimes such as theft, fraud, embezzlement, forgery, or employee dishonesty.
Common Policy Names: Business Crime Insurance, Employee Theft Coverage, Fraud and Dishonesty Insurance
Criteria You May Be Asked For: Currency, Expiration Date, Loss Payee, Off Premise Loss Limit, On Premise Loss Limit
Commercial General Liability
Definition: Insurance coverage that protects businesses against liabilities for bodily injury or property damage caused to third parties arising from their operations, products, or premises.
Common Policy Names: CGL Insurance, Business Liability Coverage, Comprehensive General Liability Insurance
Criteria You May Be Asked For: Currency, Each Occurence Limit, Expiration Date, General Aggregate Limit, Occurence or Claims-Made, Personal Advertising Limit, Primary & Noncontributory, Prodycts Completed Operations, Waiver of Subrogation
Commercial Property
Definition: Insurance coverage that protects commercial properties, including buildings, equipment, inventory, and assets, against damage or loss caused by covered perils such as fire, theft, or natural disasters.
Common Policy Names: Business Property Coverage, Commercial Building Insurance, Real Estate Insurance
Criteria You May Be Asked For: Currency, Expiration Date, Loss Payee, Valuation
Commercial Trailer Interchange
Definition: Insurance coverage that protects trailer interchange parties, such as motor carriers or trucking companies, against liabilities for physical damage to non-owned trailers while in their possession or control.
Common Policy Names: Trailer Interchange Liability Insurance, Trailer Interchange Coverage, Interchange Agreement Insurance
Criteria You May Be Asked For: Additional Insured, Expiration Date, Trailer Interchange Coverage Limit
Commercial Umbrella & Excess
Definition: Insurance coverage that protects trailer interchange parties, such as motor carriers or trucking companies, against liabilities for physical damage to non-owned trailers while in their possession or control.
Common Policy Names: Excess Liability Insurance, Umbrella Liability Coverage, Supplementary Liability Insurance
Criteria You May Be Asked For: Additional Insured, Aggregate Limit, Expiration Date, Per Occurence Limit
Contingent Auto Liability
Definition: Insurance coverage that protects businesses when they are legally liable for bodily injury or property damage caused by non-owned or hired vehicles used in their operations.
Common Policy Names: Non-Owned Auto Liability Insurance, Hired and Non-Owned Auto Coverage, Secondary Auto Liability Insurance
Criteria You May Be Asked For: Automobiles Covered, Combined Single Limit Each Accident, Expiration Date
Crop Insurance
Definition: Insurance coverage that protects farmers against financial losses resulting from crop-related perils such as adverse weather conditions, disease, pests, or other causes of crop damage or loss.
Common Policy Names: Agricultural Insurance, Farm Insurance, Crop Risk Coverage
Criteria You May Be Asked For: Expiration Date
Cyber Insurance
Definition: Insurance coverage that protects businesses against financial losses or liabilities resulting from cyber-related incidents, such as data breaches or cyberattacks.
Common Policy Names: Cyber Insurance, Data Breach Insurance
Criteria You May Be Asked For: Expiration Date, Per Occurrence Limit
Dwelling Insurance
Definition: Insurance coverage that protects residential properties, including homes or dwellings, against damage or loss caused by covered perils like fire, theft, or natural disasters.
Common Policy Names: Home Insurance, Property Insurance
Criteria You May Be Asked For: Collateral, Expiration Date
Employee Dishonesty
Definition: Insurance coverage that protects businesses against financial losses resulting from fraudulent or dishonest acts committed by employees.
Common Policy Names: Employee Theft Insurance, Business Crime Insurance
Criteria You May Be Asked For: Expiration Date, Loss Payee, Per Occurrence Limit
Employment Practices Liability
Definition: Insurance coverage that protects businesses against claims or lawsuits related to employment practices, such as wrongful termination, discrimination, or harassment.
Common Policy Names: EPLI, Workplace Liability Insurance
Criteria You May Be Asked For: Expiration Date, Limit
Environmental Liability
Definition: Insurance coverage that protects businesses against liabilities arising from pollution or environmental damage caused by their operations.
Common Policy Names: Pollution Liability Insurance, Environmental Impairment Insurance
Criteria You May Be Asked For: Expiration Date, Per Occurrence Limit
Farmowners Policy
Definition: Insurance coverage specifically designed for farm owners, providing protection for both the property and liability risks associated with farming operations.
Common Policy Names: Farm Insurance, Agricultural Insurance
Criteria You May Be Asked For: Aggregate Limit, Expiration Date, Per Occurrence Limit
Fidelity Bond
Definition: Insurance coverage that protects businesses against financial losses caused by dishonest acts committed by employees, such as theft or embezzlement.
Common Policy Names: Employee Fidelity Insurance, Business Surety Bond
Criteria You May Be Asked For: Collateral, Expiration Date, Bond Number
Fleet Insurance
Definition: Insurance coverage that provides protection for a group of vehicles owned or operated by a business or organization.
Common Policy Names: Commercial Vehicle Insurance, Business Auto Fleet Insurance
Criteria You May Be Asked For: Collateral, Expiration Date
Flood Insurance
Definition: Insurance coverage that protects properties against damage or loss caused by flooding, which is typically not covered by standard property insurance.
Common Policy Names: Flood Coverage, Inundation Insurance
Criteria You May Be Asked For: Expiration Date
Garage Keepers Liability
Definition: Insurance coverage that protects businesses, such as auto repair shops or valet parking services, against liability for damage or loss to customers' vehicles while in their care, custody, or control.
Common Policy Names: Garage Insurance, Auto Service Liability Insurance
Criteria You May Be Asked For: Expiration Date, Limit
Garage Liability
Definition: Insurance coverage that protects businesses engaged in automobile-related operations, such as car dealerships or auto repair shops, against liabilities arising from accidents or injuries on their premises.
Common Policy Names: Auto Repair Shop Insurance, Auto Service Liability Insurance
Criteria You May Be Asked For: Expiration Date, Per Occurrence Limit
Inland Marine
Definition: Insurance coverage that protects property during transportation or while in transit, covering goods, equipment, or valuable items not typically covered by standard property insurance.
Common Policy Names: Goods in Transit Insurance, Equipment Floater Insurance
Criteria You May Be Asked For: Collateral, Expiration Date
Life Insurance
Definition: Insurance coverage that provides a death benefit to beneficiaries upon the insured person's death, offering financial protection and support to loved ones.
Common Policy Names: Death Benefit Insurance, Personal Life Coverage
Criteria You May Be Asked For: Cash Value/Face Amount, Expiration Date
Loss of Income
Definition: Insurance coverage that provides financial compensation to businesses for income lost or expenses incurred due to a covered event that interrupts normal business operations.
Common Policy Names: Business Interruption Insurance, Income Protection Insurance
Criteria You May Be Asked For: Expiration Date
Maritime Employers Liability
Definition: Insurance coverage that protects employers in the maritime industry against liabilities arising from work-related injuries or illnesses suffered by their employees.
Common Policy Names: Longshore and Harbor Workers' Insurance, Marine Employers Liability
Criteria You May Be Asked For: Any One Accident Limit, Expiration Date
Medical Errors & Omissions
Definition: Insurance coverage that protects healthcare professionals or institutions against liabilities resulting from medical malpractice or errors in patient care.
Common Policy Names: Medical Malpractice Insurance, Professional Indemnity Insurance
Criteria You May Be Asked For: Aggregate Limit, Expiration Date, Per Occurrence Limit
Non-Trucking Liability
Definition: Insurance coverage that provides liability protection for commercial truckers when they are using their vehicles for non-business, personal purposes.
Common Policy Names: Bobtail Insurance, Deadhead Coverage
Criteria You May Be Asked For: Autos Covered, Coverage Limit, Expiration Date
Occupational Accident
Definition: Insurance coverage that provides benefits for work-related injuries or accidents, typically for independent contractors or self-employed individuals who are not covered by traditional workers' compensation.
Common Policy Names: Independent Contractor Insurance, Self-Employed Accident Insurance
Criteria You May Be Asked For: Accidental Medical Expense Limit, Expiration Date
Personal Liability
Definition: Insurance coverage that protects individuals against liabilities for bodily injury or property damage caused to others, usually outside of their professional or business activities.
Common Policy Names: Individual Liability Insurance, Personal Indemnity Coverage
Criteria You May Be Asked For: Expiration Date, Personal Liability Limit
Private Passenger Auto
Definition: Insurance coverage that provides protection for personal vehicles used for non-commercial purposes.
Common Policy Names: Personal Auto Insurance, Individual Vehicle Coverage
Criteria You May Be Asked For: Additional Insured, Bodily Injury Per Accident Limit, Bodily Injury Per Person Limit, Combined Single Limit Each Accident, Expiration Date, Property Damage Per Accident Limit
Professional Liability
Definition: Insurance coverage that protects professionals, such as doctors, lawyers, or architects, against liabilities arising from errors, omissions, or negligence in their professional services.
Common Policy Names: Errors and Omissions Insurance, Malpractice Insurance
Criteria You May Be Asked For: Additional Insured, Aggregate Limit, Expiration Date, Per Occurrence Limit
Protection & Indemnity
Definition: Insurance coverage that provides liability protection for shipowners and operators against liabilities arising from maritime accidents or incidents.
Common Policy Names: P&I Insurance, Shipowners' Liability Insurance
Criteria You May Be Asked For: Additional Insured, Expiration Date
Public & Products Liability
Definition: Insurance coverage that protects businesses against liabilities for bodily injury or property damage caused to third parties, both on their premises and as a result of their products or services.
Common Policy Names: General Liability Insurance, Third-Party Liability Insurance
Criteria You May Be Asked For: Expiration Date, Products Liability, Public Liability
Sexual Abuse & Molestation
Definition: Insurance coverage that protects organizations or individuals against liabilities arising from claims.
Common Policy Names: Abuse and Molestation Insurance, Sexual Misconduct Coverage
Criteria You May Be Asked For: Additional Insured, Expiration Date, Per Occurrence Limit
Workers Compensation
Definition: Insurance coverage that provides medical benefits, wage replacement, and other benefits to employees who suffer work-related injuries or illnesses. It protects employers from legal liabilities associated with workplace injuries or occupational diseases.
Common Policy Names: Worker's Comp, Workman's Compensation Insurance, Employer's Liability Coverage
Criteria You May Be Asked For: Disease Each Employee Limit, Disease Policy Limit, Each Accident Limit, Expiration Date, Limits