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The person specifically named in the policy, usually the one initiating the contract.

A policy of insurance in which the perils insured against are listed or named.

Those consequences that normally result out of certain acts and which a prudent person can anticipate as likely to happen again, all circumstances being the same.

Disaster caused by forces of nature, e.g., earthquake, lightning, tornado, etc.

Able to be navigated by ships and vessels.

Waters which afford a channel for the passage of ships and vessels engaged in useful commerce.

Adjacent, contiguous, abutting.

Those things that are indispensable for the sustenance of human life.

Meaning depends on context in which it is used. May import that which is convenient, indispensable, or an absolute physical necessity.

The omitting or failing to do a thing that can be done or is required to be done. May also denote an absence of care or attention in the doing or omission of a given act.