Depreciation Guide (Personal Property)

Access essential depreciation rates and life expectancy for a vast array of personal property and building materials with the 2023 Claims Pages Depreciation Guide. From appliances and electronics to furniture and roofing, this indispensable resource supports hundreds of insurance companies and professionals in determining the actual cash value of items, enhancing the accuracy and efficiency of claims processing.
  PDF (56KB) Property General Reference

Law Digest Guides

The Insurance Law Digest is a series of PDF files that provide summaries of insurance laws for each U.S. state and the Canadian province.
  PDF (KB) Auto Legislation & Regulation Liability Property Workers' Compensation General Reference

No-Fault Automobile Accident Liability States

Currently 12 states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, New Jersey, New York and Pennsylvania have verbal thresholds. Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah use a monetary threshold.
  PDF (13KB) Liability General Reference

Reaction And Braking Distance Table

Basic reference table displaying reaction and braking distances for vehicles traveling at a specific speed.
  PDF (11KB) Auto Liability General Reference

Insurance Designation List

A list of accreditations associated with the insurance industry.
  PDF (54KB) Auto Education & Training Liability Litigation Management & Underwriting General Reference

Building Terminology Chart

Dozens of common building terms and their definitions.
  PDF (34KB) Property General Reference

Coinsurance Definition And Formula

Coinsurance formula and sample calculation for a property claim where the insured did not maintain the required minimum coverage (usually 80% of value) on a structure.
  PDF (38KB) Property General Reference

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