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Underwriters’ Adjustment Bureau Ltd.

Underwriters’ Laboratories of Canada

Denotes the perfect good faith with which an insurance contract must be made, concealing nothing, e.g., the insured must observe the most perfect good faith towards the insurer.

Liability policy which provides excess limits and which also drops down to insure exposures not insured under primary or underlying policies.

A third party appointed to make an independent judgement in a dispute in which two or more arbitrators cannot agree.

Something which is done without authority.

Inevitable.

One resulting without fault and which could not be foreseen and prevented by using ordinary diligence.

A cause not reasonably anticipated under the circumstances, and whose effects, under similar circumstances, a person does not and would not ordinarily avoid.

In marine insurance, unavoidable dangers of the river includes those not preventable by the vessel’s operators.