Reference guide
Insurance Glossary
Plain-language definitions of common insurance terms across policies, coverage, and claims. Check your policy or plan documents for the terms that apply to you.
Find an insurance term
Showing 12 of 36 matching terms
Terms beginning with D
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Directors and officers insurance
Business insurance - Liability coverage that may protect an organization and its leaders from covered claims about management decisions.
- Also called: D&O insurance
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Direct writer
General insurance - An insurer that sells insurance directly to customers through its own employees or representatives rather than independent agents.
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Disability income insurance
Life insurance - Insurance that may replace part of income when a covered illness or injury prevents someone from working.
- Also called: disability insurance
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Domestic insurer
General insurance - An insurer incorporated and domiciled in the state whose insurance department regulates it as its home-state regulator.
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Drive-other-car provision
Auto insurance - Policy wording that may extend liability coverage while an insured operates an eligible vehicle not owned by them.
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Drug formulary tier
Health insurance - A category in a health plan’s drug list that determines the member cost-sharing level for a medication.
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Drug tier
Health insurance - A level in a health plan formulary that helps determine the member cost for a prescription drug.
- Also called: formulary tier
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Dual eligible beneficiary
Health insurance - A person eligible for both Medicare and Medicaid benefits.
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Durable medical equipment
Health insurance - Reusable medical equipment prescribed for home use, such as a wheelchair or hospital bed, when covered by a plan.
- Also called: DME
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Duty to defend
Business insurance - An insurer’s obligation, when triggered by the policy, to provide a legal defense for a covered claim or suit.
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Dwelling coverage
Home insurance - The part of a homeowners policy that may pay to repair or rebuild the home’s structure after a covered loss.
- Also called: Coverage A
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Dwelling fire policy
Home insurance - A property policy designed for a dwelling that may be rented, vacant, seasonal, or otherwise not covered by a standard homeowners policy.
- Also called: DP policy