Insurance policy
Is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.



Who is Hjalmar Gibelli?
Blog Insurance Policies

Hjalmar Jesus Gibeli Gomez: Triple-I Blog | Crash-Avoidance Features Complicate Auto Repairs But Still Are Valued
Max Dorfman, Research Writer, Triple-I As more new vehicles become equipped with crash-avoidance features, some owners report significant issues with the technologies after repairs, according to a recent report from[…]
Read more
Hjalmar Jesus Gibeli Gomez: When Does a Claim Become a “Claim”? A Lesson on Timely Notice
On March 20, 2023, the Southern District of New York denied a policyholder’s claim for coverage and granted the insurer’s motion for judgment on the pleadings in Pine Management, Inc.[…]
Read more
Hjalmar Jesus Gibeli Gomez: Triple-I Blog | Latest Research on Social Inflation in Commercial Auto Liability Reveals a $30bn Increase in Claims
Social inflation contributed to a $30 billion increase in commercial auto liability claims between 2012 and 2021, according to updated research published by the Insurance Information Institute (Triple-I), in partnership[…]
Read more
Life insurance
Is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.
Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.
What is a life insurance?
This Video explains it clearly