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Glossary E-F

effective tax rate

efficacy insurance

EFT system coverage

EIL insurance


election window

elective benefits

electrical damage or injury exclusion

Electronic Communications Privacy Act (ECPA)

electronic data

electronic data processing (EDP) coverage

electronic funds transfer (EFT) system coverage

electronic products errors and omissions (E&O) insurance

elevator insurance

eligibility period

elimination period

ELP factor


embedded value


emergency medical technician (EMT) and paramedics professional liability

emergency response plan

emergency response values

employed lawyers professional liability insurance

employee assistance program (EAP)

employee benefit programs

employee benefits liability

employee dishonesty coverage

employee hired autos endorsement

employee leasing

employee leasing company

employee pension benefit plans

Employee Retirement Income Security Act (ERISA) liability

Employee Retirement Income Security Act (ERISA) of 1974

employee stock ownership plan (ESOP)

employee stock purchase plan

employee welfare benefit plans

employees as additional insureds

employers excess indemnity insurance

employers liability coverage

Employment Arbitration Agreement

employment-at-will doctrine

employment practices liability insurance (EPLI)

employment-related practices liability (ERPL) policy

employment risk



endangerment assessment

endemic disease coverage


endowment insurance

energy release theory

enforceable requirements

enforcement decision document (EDD)

engaged in trade or business (ETB)

engagement letter


engineering insurance

Engineering Joint Contracts Documents Committee (EJCDC)

enterprise risk management (ERM)

entire contract clause

entity coverage

entity securities coverage

environmental assessment

environmental audit

environmental impact statement

environmental impairment liability (EIL) insurance

environmental liability buyout

Environmental Monitoring and Assessment Program (EMAP) data

environmental stop loss insurance


Equal Employment Opportunity Commission

Equal Pay Act of 1963

equipment breakdown insurance

equipment floater

equitable estoppel

erection all risks insurance (EAR)


Erie Doctrine

ERISA liability

ERISA stock drop litigation




error or omission in reporting endorsement

errors and omissions (E&O) clause

errors and omissions (E&O) insurance

escape provision

essential functions

estate plan

estimated premium




event insurance

event risk

event triggered financings


evidence of insurability


exception (to exclusion)


excess and surplus (E&S) lines insurance

excess cover

excess insurance

excess interest

excess liability 'follow form' policy

excess liability policy

excess limit

excess lines broker

excess loss premium (ELP) factor

excess of loss ratio reinsurance

excess of loss reinsurance

excess per risk reinsurance

excess point

excess workers compensation insurance

exchange transfer embargo indemnity


exclusive agency system

exclusive remedy

exculpatory clause

executive officer


exemplary damages

exempt motor carrier

ex gratia payment

exhibitor insurance

ex-medical coverage

ex parte hearings


expected loss

expected morbidity

expected mortality

expected or intended

expected reinsurer deficit (ERD)

expediting expense

expediting expense coverage


expense allowance

expense constant

expense load

expense ratio

expense reserve


experience account

experience modification

experience modifier

experience rating

experience refund



expiration file

expiration notice

export and/or import embargo indemnity


exposure base

exposure-in-residence theory

exposure rating

exposure survey

express authority


extended coverage (EC) endorsement

extended discovery period

extended discovery provision

extended period of indemnity endorsement or option

extended reporting period (ERP)

extended term insurance

exterior insulation and finish systems (EIFS)

extortion coverage form G

extracontractual damages

extracontractual obligations (ECO)

extra expense coverage

extra percentage tables

extra premium

extraterritorial coverage

extremely hazardous substances

'extrinsic facts' test



face amount

facility emergency coordinator

factory firms


facultative automatic

facultative obligatory treaty

failure to collect contributions exclusion

failure to fund in accordance with ERISA exclusion

failure to insure exclusion

Fair Credit Reporting Act (FCRA)

FAIR (Fair Access to Insurance Requirements) Plans

Fair Labor Standards Act (FLSA) of 1938

fair rental value (FRV) coverage

faithful performance coverage

false pretense, trick, and device

Family and Medical Leave Act (FMLA) of 1993

farmowners insurance



FAS 113

FAS 115




FC&S warranty

feasibility study

Federal Coal Mine Health Safety Act (FCMH&SA)

federal crop insurance

Federal Emergency Management Agency (FEMA)

Federal Employers Liability Act (FELA)

federal excise tax (FET)

Federal Highway Administration (FHWA)

Federal Insurance Contribution Act (FICA)

Federal Motor Carrier Safety Administration (FMCSA)

Federal Motor Carrier Safety Regulations (FMCSR)

Federal Savings and Loan Insurance Corporation (FSLIC)



fee schedule


fellow employee coverage

fellow employee exclusion

fellow employee suits coverage

Fellow in Risk Management (FRM)

Fellowship of the Chartered Insurance Institute (FCII)



fidelity bond


fiduciary bond

fiduciary liability

fiduciary liability endorsement

fiduciary liability 'follow-on' claims

field service advice (FSA)

filed forms

financed insurance

Financial Accounting Standards Board (FASB)

Financial Anti-Terrorism Act (FATA or PATRIOT Act)

financial capacity

financial disclosure claims

financial guarantee insurance

financial institution bond

financial modeling

financial quota share

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Our Location

Santa Maria & Company

1550 Parkside Drive, Suite 200
Walnut Creek, CA 94596
Main office: 925-956-7600
Toll free: 866-921-3347
Fax: 925-956-7601

Our Providers


I found the rare breed of insurance company that fights for you and stands by you. If you are looking for an insurance company that has integrity and amazing customer service, I would hands down, wholeheartedly recommend Santa Maria

Eli I., Remodeling Contractor
As a home builder in Northern California, I have endured numerous complicated issues while trying to protect my business from unforeseen liabilities, satisfying the multiple requirements of individual municipalities, and doing so at a reasonable expense. Santa Maria and Company has been instrumental in these dealings by providing quality advice, creative alternative solutions, and excellent service.

Dennis C., Home Builder
Santa Maria & Company helped guide our business through a difficult time by being proactive, informing us of potential obstacles, and avoiding surprises. Their customer focus has clearly covered the present, the future, and the 'what if' conditions that all businesses must deal with. We feel that our company is very well prepared to handle our complicated risk-related issues because of their support and guidance.

Robert M., Equipment Manufacturing Executive
The company is sincere, honest, always looking out for our best interests. They continually work to understand our business, to develop strategies to mitigate our exposure. That gives us a real competitive advantage.

Shaun M., Food Industry Risk Manager
Santa Maria & Company has helped us solve some tough insurance challenges, but they continue to identify emerging risks, such as cybercrime, and help us protect against them. Their customer service is fantastic.

Jeff B., Medical Industry CFO
This company knows the local insurance market better than the larger brokers ever could. They are true experts who take the time to explain all of our coverage options and help us make the right decisions. It's almost like having an insurance professional on staff.

Matt A., Food Industry Executive
It is a real advantage to work with risk insurance experts that have underwriting experience. Since we have been working with Santa Maria, we've grown a great deal and other companies are always trying to win our business. Santa Maria has the expertise in insurance and high tech industry risks that we need and their personal service is excellent.

Cynthia G., Technology Industry Executive