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Workers’ compensation is the exclusive remedy for most workplace injuries. It replaces the employee’s right to sue the employer in most cases, except for gross negligence or intentional harm. It guarantees medical and income benefits without requiring proof of employer fault. Adjusters must verify compensability under state law and ensure prompt delivery of benefits to injured workers.

The HO-5 Comprehensive Form provides open-peril coverage for both the dwelling and personal property, making it the broadest homeowners’ form. Adjusters must confirm exclusions and conditions under HO-5 when evaluating claims.

General Average requires all parties involved in a maritime venture to proportionally share losses voluntarily incurred for the common good, such as jettisoning cargo. Adjusters must apply this principle when evaluating marine claims involving shared sacrifices.

Permanent partial disability applies when the employee has lasting impairment but can still work in some capacity. Adjusters must evaluate medical evidence and apply statutory schedules when determining benefits.

Homeowners’ Insurance policies are divided into coverage sections. Coverage A insures the dwelling structure itself, Coverage B insures other structures (such as detached garages), Coverage C insures personal property owned by the insured, and Coverage D covers loss of use (additional living expenses). Claims adjusters must accurately determine which section applies to a reported loss. For example, if an insured’s furniture or clothing is damaged in a house fire, the claim would fall under Coverage C. Limits for Coverage C are usually set as a percentage of Coverage A, and sub-limits apply to certain categories like jewelry or electronics. Proper identification of coverage sections allows adjusters to fairly settle claims and ensure that policyholders receive benefits consistent with their purchased coverage.