GENERAL AVERAGE:
A term used in Maritime Law to cover special claims. Briefly it means that if cargo of a vessel is sacrificed for the common good of all property at risk on that vessel, then all parties involved will contribute to the loss of those whose goods were sacrificed, ie if a ship carrying goods on your behalf is forced to jettison your goods for the safety of the ship as a whole, then the owners (or their insurers) of the other cargo and the ship would contribute so as to reduce your loss. Similar principles would apply for other owners if their cargo was jettisoned to protect yours.
GENERAL PROPERTY:
Covers loss of or damage to specified property, normally of a portable nature, which is not covered under the policy on property at the insured’s premises.
GLASS:
Can cover either specified items of glass or more typically all glass on the premises. Cover can be extended to include such items as signwriting and framework.
GROUP PERSONAL ACCIDENT:
Covers a nominated group of individuals for a specified benefits against a range of accidental disabilities. Benefits are payable to the organisation purchasing the cover rather than to the disabled person.