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Glossary W-Z



WA 3%

wage & hour claims

wages, maintenance, and cure

waiting period deductible


waiver of inventory

waiver of premium

waiver of recourse endorsement

waiver of subrogation

warehouse operators legal liability insurance

warehouse to warehouse clause


war exclusion

WARN Act Exclusion



war risk clause

war risk insurance

Warsaw Convention

waste load allocation

waterborne equipment exclusion

water quality-based limitations

water quality-based permit

water quality standards

weapon of mass destruction (WMD)

wedding insurance

weighted average cost of capital (WACC)

weighted average loss forecasting

welfare and pension plan bond coverage

well control insurance

wellness program

wet methods

wharfinger legal liability coverage

whistleblower claim

whistleblower statutes

whole life insurance

wholesale agent

wholesale broker

wholesale health insurance

wholesale insurance

wind or hail deductible

window plan

with average (WA)

with average 3 percent (WA 3%)

without prejudice

with prejudice

work hardening

workers compensation

workers compensation and employers liability policy

workers compensation catastrophe cover

working layer

workmanship exclusion

workplace tort

workplace violence insurance

worldwide insurance program

wrap-around policy

wrap-around risk financing program


wrap-up exclusion endorsement



Write-Your-Own (WYO) Program

written premium

wrongful act

wrongful death claim

wrongful termination







Year 2000 (Y2K) exclusion

Yellow Book

York Antwerp Rules




zero-beta asset


zone rating

zone system


Copyright © International Risk Management Institute, Inc. (IRMI)

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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