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Insurance

All-risk agreement

When discussing property or liability insurance contracts, it's important to understand that there are two types: named perils and open perils. A named perils policy only covers losses that are explicitly listed, while an open perils policy covers all risks except for those specifically excluded. This type of policy is also known as an "all risks policy." It's crucial to carefully review the exclusions in an open perils policy to fully understand the extent of coverage.
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