**Intact Gift Giving Condition book**
These important concepts are now written down for all insurance practitioners to easily access. This book details key property and casualty concepts rarely discussed or found in print; rather they are often left to be "discovered" over time. Examples of the topics and concepts found in this book include rules for reading ANY insurance policy; why losses are excluded; contractual risk transfer; legal liability theories; "COPE" details; and the proper explanation of coinsurance concepts. Also included is a rather extensive glossary of insurance and insurance-related terms.Readers will gain a deeper understanding of insurance theories, be better prepared to explain insurance concepts to their clients, and develop a greater appreciation and understanding of the claims valuation process.