Fortuitous accidents which cause loss of or damage to hull or cargo covered by a marine policy. The ordinary action of wind and waves is not a peril of the sea.
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Third Party Administrator (TPA)
A firm which provides administrative services for employers and other associations having group insurance policies. The TPA, in addition to being the liaison between the employer and the insurer, is also involved with certifying eligibility, preparing reports required by the government and processing claims. TPA’s are being used more and more with the increase in employer self-funded plans.