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Simple English definitions for legal terms

owned-property exclusion

Read a random definition: Liberty Clause

A quick definition of owned-property exclusion:

Owned-property exclusion is a term used in insurance policies that means only third parties who are injured on or by the insured's property can make liability claims against the insurer. This provision usually excludes coverage for property owned, rented, occupied, sold, given away, or abandoned by the insured, personal property in the care, custody, or control of the insured, and property located where the insured and its employees work. In simpler terms, if you own something and it gets damaged or causes damage, your insurance policy may not cover it.

A more thorough explanation:

Definition: Owned-property exclusion is a provision in a comprehensive general liability insurance policy that allows only third parties who are injured on or by the insured's property to make liability claims against the insurer. This provision usually excludes coverage for property owned, rented, occupied, sold, given away, or abandoned by the insured, personal property in the care, custody, or control of the insured, and property located where the insured and its employees work.

Example: Let's say that John owns a small business and has a comprehensive general liability insurance policy. One day, a customer slips and falls on a wet floor in John's store and gets injured. The customer can make a liability claim against John's insurance policy because the injury happened on John's property. However, if John's own property, such as his car or his personal belongings, gets damaged, he cannot make a liability claim against his own insurance policy because of the owned-property exclusion.

Explanation: The owned-property exclusion limits the liability coverage of an insurance policy to third-party claims only. This means that the insured cannot make a liability claim against their own policy for damages to their own property. The purpose of this exclusion is to prevent the insured from intentionally causing damage to their own property and then making a claim against their own policy to receive compensation.

owling | owners' association

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babycat
14:55
That’ll do it
Question, how many of u would sleep on first date
babycat
14:57
honestly my answer is it depends
babycat
14:57
there has to be a very specific vibe to make me want to do that. not like a regular date
babycat
14:59
and sometimes you want to and you still don’t do ir
babycat
14:59
it
babycat
15:00
but I don’t use dating apps so all my first dates are with people I’ve already met in some context, which it sounds like is your situation too
Dkk
15:00
I could never imagine myself doing that on a first date.
Dkk
15:01
@BulbasaurNoLikeCardio: hope things get better
babycat
15:01
@Dkk: what if it’s someone you’ve known for a long time but never dated?
Dkk
15:03
Maybe but things would have to go like perfectly. I could not imagine them going perfectly.
15:04
Sleeping on the first date just isn't my style, idk. I take things painfully slowly and much prefer to befriend and really get to know a girl first before doing any of that
Ok another question, what do u tell the ppl u sleeping with already that ur going on dates
Dkk
15:05
The bigger issue is if I sleep with them will I have the emotional connection to finish cus it is harder for me to finish if I do not know the person.
bigroger100
15:05
Anyways when the fuck are either of the colorados schools releasing their shit. Smh
BulbasaurNoLikeCardio
15:05
@Rightfullytherlauren: If the person is clean or has a good vibe I will do it the first date
15:06
Yeah sorry I can't answer that Lauren, I don't sleep with anyone if I'm not already dating them
Dkk
15:06
@Rightfullytherlauren: This is like a stupid thing that only really hot guys and women have to think about. I have never had to think about this before. No answer.
Dkk
15:07
@bigroger100: No idea. Probably when they released last year unless they were supposed to release already.
BulbasaurNoLikeCardio
15:08
@Rightfullytherlauren: I am apparently a hot guy or just a slut cause I have had this before. If it is a FWB then you gotta follow the rules on that like wrapping your tool and such but if it is a casual fuck/bootie call they do not need to know if you are trying to find love and what you are doing when you are busy
BulbasaurNoLikeCardio
15:09
You just have to be smart and accept your choices, I know some people will believe a casual hook up or FWB is a regular exclusive thing. Communication is key if you are playing it that way but it is very dangerous to have multiple partners at the same time in a non-exclusive way
babycat
15:09
Yeah you should make it clear to them it's not exclusive
BulbasaurNoLikeCardio
15:10
I have been on the receiving/hurt end thinking it was exclusive when I was just her human dildo and it makes you feel bad.
babycat
15:11
Aw poor Bulbasaur
Dkk
15:11
In all of these situations described, the point of failure happened way before the emotional reality set in.
babycat
15:11
I'm like extremely monogamous at heart
babycat
15:12
I'm never dating or fucking more than one person at a time
babycat
15:12
But one time this guy I'd been dating for a little bit had a tinder notification come up on his phone and I flipped my shit lol
1a2b3c4d26z
15:12
Yea but isn't that just cheating
1a2b3c4d26z
15:12
If you're already dating
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