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Glossary F-H

financial reinsurance

financial responsibility

financial responsibility law

financial restatement

financial restatement exclusion

financial risk management

financial statement

financial transformation (FT)

fine arts coverage

finite risk insurance

fire brigade

fire department service charge coverage

fire legal liability coverage

fire-resistive construction


fire wall


'first bite'

first class mail coverage

first dollar coverage

first dollar defense coverage

first dollar defense, umbrella

first named insured

first-party insurance

first surplus reinsurance treaty

fixed-cost insurance


flat cancellation

flat commission

flat dividend

flat rate


fleet automatic, auto

fleet of companies

fleet policy

floater policy

flood coverage

flood exclusion

flood insurance rate map (FIRM)



FOB destination

follow form

follow form professional liability endorsement

following reinsurer

following the fortunes

forced placed

force majeure

force majeure insurance

foreign commerce

foreign currency controls

foreign insurer

foreign liability coverage

foreign title equivalent coverage provision

forgery or alteration coverage

'for-hire' motor carrier


fortuitous event

forum shopping


forward contract

'four-corners' test




fractional premium

frame construction

franchise deductible

franchise insurance


free alongside (FAS)

free of capture and seizure (FC&S) warranty

free of particular average (American conditions) (FPAAC)

free of particular average (English conditions) (FPAEC)

free of particular average (FPA)

free on board (FOB)

free on board destination (FOB destination)

freight broker

freight forwarder


friable asbestos

friendly fire


front company

front pay

fronted captive



full coverage

full preliminary term reserve valuation

full prior acts coverage

full-timers coverage

fully insured status

fully paid policy

functional capacity evaluation (FCE)

functional job description

functional replacement cost

functional replacement cost provision or endorsement

fundamental risk

fund control agreement


funded covers

funded pension plan

funded retention

funded self-insurance

fund states coverage

funds withheld

furriers block policy

furriers customers insurance


futures contract




garagekeepers coverage/garagekeepers legal liability

garagekeepers extra legal liability

garage liability insurance

garage policy

garment contractors floater


General Adjustment Bureau (GAB)

general agency system

general aggregate limit

general average losses

general counsel

general damages

general employer

general exclusions

general inclusions

general indemnity clause

general liability insurance

Generally Accepted Accounting Principles (GAAP)

general maritime law

general supervision

Genetic Information Nondiscrimination Act of 2008

geographical (coverage territory) limitations


glass ceiling

glass insurance

global insurance program


good faith settlement

'good guy' letter

good samaritan statutes

good student discount

governing classification

grace period

graded commission

graduated drivers licenses

Gramm-Leach-Bliley (GLB) Act

green building

greenmail exclusion

gross cessation

gross combination weight (GCW)

gross earnings coverage

gross loss reserves

gross negligence

gross premium

gross profits insurance

gross receipts or mileage, auto

gross vehicle weight (GVW)

gross weight

gross written premium (GWP)

ground coverage

ground up loss

group annuity

group captive

group certificate

group contract

group credit insurance

group insurance

group of companies

group-owned captive

group practice HMO

group property and liability insurance

group self-insurance

guaranteed auto protection (GAP)

guaranteed cost

guaranteed cost discount (GCD)

guaranteed cost insurance

guaranteed cost premium

guaranteed insurability

guaranteed investment contract (GIC)

guaranteed renewable

guaranty agreement

guaranty fund

guardian ad litem

Guertin laws

guests' property, premises

guests' property, safe deposit box

guest statutes, auto




hail insurance

hammer clause

hangar keepers liability

hard market

The Harper Group v. Commissioner


hazard class pricing

hazardous ranking system (HRS)

hazardous waste

hazard risk


healing plateau

healthcare purchasers liability insurance

health care reimbursement plan

Health Insurance Portability and Accountability Act of 1996 (HIPAA)

health maintenance organization (HMO)


hedge fund

hedge instrument

hedging transaction

highly protected risk (HPR) property

high-risk community

Highway Loss Data Institute (HLDI)

hired automobile

historical cost


hold harmless agreement

holding power formula

holistic risk management

homebuilder wrap-up

home equity insurance

home foreign

home office

homeowners modified form 8 (HO-8)

homeowners policy

homeowners policy basic form 1 (HO-1)

homeowners policy broad form 2 (HO-2)

homeowners policy comprehensive form 5 (HO-5)

homeowners policy contents broad form 4 (HO-4)

homeowners policy special form 3 (HO-3)

homeowners policy unit owners form 6 (HO-6)

honorable engagement or undertaking

horizontal exhaustion rule

hospital income insurance

hospital professional liability (HPL) insurance

hostile fire

hostile work environment sexual harassment

host liquor liability

hot line

Household Goods Transportation Act

HPR property

HR-10 plan


hull coverage

Humana, Inc. v. Commissioner

human equivalent dose

hurdle rate


hybrid plans


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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