Terms Used In Utah Code 31A-23a-902

• Administrator: means the same as that term is defined in Subsection (187). See Utah Code 31A-1-301
• Agency: means :
       (6)(a) a person other than an individual, including a sole proprietorship by which an individual does business under an assumed name; and
       (6)(b) an insurance organization licensed or required to be licensed under Section 31A-23a-301, 31A-25-207, or 31A-26-209. See Utah Code 31A-1-301
• Application: means a document:
       (10)(a)

            (10)(a)(i) completed by an applicant to provide information about the risk to be insured; and

            (10)(a)(ii) that contains information that is used by the insurer to evaluate risk and decide whether to:

                 (10)(a)(ii)(A) insure the risk under:

                      (10)(a)(ii)(A)(I) the coverage as originally offered; or

                      (10)(a)(ii)(A)(II) a modification of the coverage as originally offered; or

                 (10)(a)(ii)(B) decline to insure the risk; or
       (10)(b) used by the insurer to gather information from the applicant before issuance of an annuity contract. See Utah Code 31A-1-301
• board of directors: means the group of persons with responsibility over, or management of, a corporation, however designated. See Utah Code 31A-1-301
• Business entity: means :
       (17)(a) a corporation;
       (17)(b) an association;
       (17)(c) a partnership;
       (17)(d) a limited liability company;
       (17)(e) a limited liability partnership; or
       (17)(f) another legal entity. See Utah Code 31A-1-301
• business of insurance: includes :
       (98)(a) providing health care insurance by an organization that is or is required to be licensed under this title;
       (98)(b) providing a benefit to an employee in the event of a contingency not within the control of the employee, in which the employee is entitled to the benefit as a right, which benefit may be provided either:

            (98)(b)(i) by a single employer or by multiple employer groups; or

            (98)(b)(ii) through one or more trusts, associations, or other entities;
       (98)(c) providing an annuity:

            (98)(c)(i) including an annuity issued in return for a gift; and

            (98)(c)(ii) except an annuity provided by a person specified in Subsections 31A-22-1305(2) and (3);
       (98)(d) providing the characteristic services of a motor club;
       (98)(e) providing another person with insurance;
       (98)(f) making as insurer, guarantor, or surety, or proposing to make as insurer, guarantor, or surety, a contract or policy offering title insurance;
       (98)(g) transacting or proposing to transact any phase of title insurance, including:

            (98)(g)(i) solicitation;

            (98)(g)(ii) negotiation preliminary to execution;

            (98)(g)(iii) execution of a contract of title insurance;

            (98)(g)(iv) insuring; and

            (98)(g)(v) transacting matters subsequent to the execution of the contract and arising out of the contract, including reinsurance;
       (98)(h) transacting or proposing a life settlement; and
       (98)(i) doing, or proposing to do, any business in substance equivalent to Subsections (98)(a) through (h) in a manner designed to evade this title. See Utah Code 31A-1-301
• Cancellation fee waiver: means a contractual agreement that:
       (3)(a) is between a supplier of a travel assistance service and the supplier's customer; and
       (3)(b) waives a non-refundable cancellation fee provision of the supplier's underlying travel contract, with or without regard to:

            (3)(b)(i) the reason for the cancellation; or

            (3)(b)(ii) the form of reimbursement. See Utah Code 31A-23a-902
• Certificate: means evidence of insurance given to:
       (23)(a) an insured under a group insurance policy; or
       (23)(b) a third party. See Utah Code 31A-1-301
• Contract: A legal written agreement that becomes binding when signed.
• Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
• Department: means the Insurance Department. See Utah Code 31A-1-301
• Disability: means a physiological or psychological condition that partially or totally limits an individual's ability to:
       (51)(a) perform the duties of:

            (51)(a)(i) that individual's occupation; or

            (51)(a)(ii) an occupation for which the individual is reasonably suited by education, training, or experience; or
       (51)(b) perform two or more of the following basic activities of daily living:

            (51)(b)(i) eating;

            (51)(b)(ii) toileting;

            (51)(b)(iii) transferring;

            (51)(b)(iv) bathing; or

            (51)(b)(v) dressing. See Utah Code 31A-1-301
• Eligible group: includes :
            (4)(b)(i) an entity engaged in the business of providing travel or a travel service in which, with regard to the particular travel or travel service or type of travel or travelers, all members or customers of the group have common exposure to risk attendant to that travel, including:

                 (4)(b)(i)(A) a tour operator;

                 (4)(b)(i)(B) a lodging provider;

                 (4)(b)(i)(C) a vacation property owner;

                 (4)(b)(i)(D) a hotel or resort;

                 (4)(b)(i)(E) a travel club;

                 (4)(b)(i)(F) a travel agency;

                 (4)(b)(i)(G) a property manager;

                 (4)(b)(i)(H) a cultural exchange program;

                 (4)(b)(i)(I) a common carrier; and

                 (4)(b)(i)(J) the operator, owner, or lessor of a means of transportation of passengers, including an airline, a cruise line, a railroad, a steamship company, and a public bus carrier;
            (4)(b)(ii) a college, school, or other institution of learning, covering students, teachers, employees, or volunteers;
            (4)(b)(iii) an employer covering employees, volunteers, contractors, a board of directors, dependents, or guests;
            (4)(b)(iv) a sports team, camp, or a sponsor of a sports team or camp, covering participants, members, campers, employees, officials, supervisors, or volunteers;
            (4)(b)(v) a religious, charitable, recreational, educational, or civic organization, or a branch of a religious, charitable, recreational, educational, or civic organization, covering members, participants, or volunteers;
            (4)(b)(vi) a financial institution, a financial institution vendor, or a parent holding company, trustee, or agent of or designated by a financial institution or a financial institution vendor, covering accountholders, credit card holders, debtors, guarantors, or purchasers;
            (4)(b)(vii) an incorporated or unincorporated association, including a labor union, that:

                 (4)(b)(vii)(A) has a common interest, constitution, and bylaws;

                 (4)(b)(vii)(B) is organized and maintained in good faith for a purpose other than to cover members or participants of the association; and

                 (4)(b)(vii)(C) covers members of the association;
            (4)(b)(viii) an entertainment production company covering participants, volunteers, audience members, contestants, or workers;
            (4)(b)(ix) a volunteer fire department, ambulance, rescue, police, or court or a volunteer first aid, civil defense, or other volunteer group similar to first aid or civil defense, covering members, participants, or volunteers;
            (4)(b)(x) a preschool, a daycare institution for children or adults, or a senior citizen club, covering attendees or participants;
            (4)(b)(xi) an automobile or truck rental or leasing company:

                 (4)(b)(xi)(A) covering individuals who may become renters, lessees, or passengers depending on the travel status of the individual on a rented or leased vehicle; and

                 (4)(b)(xi)(B) if the common carrier, operator, owner or lessor of the means of transportation, or the automobile or truck rental or leasing company is the policyholder; and
            (4)(b)(xii) a group not described in Subsections (4)(b)(i) through (xi), if the commissioner determines that:

                 (4)(b)(xii)(A) the members of the group are engaged in a common enterprise, or have an economic, educational, or social affinity or relationship; and

                 (4)(b)(xii)(B) issuance of the policy would not be contrary to the public interest. See Utah Code 31A-23a-902
• Form: means one of the following prepared for general use:
            (74)(a)(i) a policy;
            (74)(a)(ii) a certificate;
            (74)(a)(iii) an application;
            (74)(a)(iv) an outline of coverage; or
            (74)(a)(v) an endorsement. See Utah Code 31A-1-301
• Individual: means a natural person. See Utah Code 31A-1-301
• Insurance: includes :
            (96)(b)(i) a risk distributing arrangement providing for compensation or replacement for damages or loss through the provision of a service or a benefit in kind;
            (96)(b)(ii) a contract of guaranty or suretyship entered into by the guarantor or surety as a business and not as merely incidental to a business transaction; and
            (96)(b)(iii) a plan in which the risk does not rest upon the person who makes an arrangement, but with a class of persons who have agreed to share the risk. See Utah Code 31A-1-301
• Insurer: is a s defined in Section 31A-1-301, except that the following persons or similar persons are not insurers for purposes of Part 7, Producer Controlled Insurers:
       (4)(a) a risk retention group as defined in:

            (4)(a)(i) the Superfund Amendments and Reauthorization Act of 1986, Pub. See Utah Code 31A-23a-102
• License: includes a certificate of authority issued to an insurer. See Utah Code 31A-1-301
• Limited lines producer: means a person who sells, solicits, or negotiates limited lines insurance. See Utah Code 31A-1-301
• Limited lines travel insurance producer: means one of the following designated by an insurer as the travel insurance supervising entity as provided in Subsection 31A-23a-905(4):
       (7)(a) a licensed managing general agent or third party administrator; or
       (7)(b) a licensed insurance producer, including a limited lines producer. See Utah Code 31A-23a-902
• Managing general agent: means a person that:
            (6)(a)(i) manages all or part of the insurance business of an insurer, including the management of a separate division, department, or underwriting office;
            (6)(a)(ii) acts as an agent for the insurer whether it is known as a managing general agent, manager, or other similar term;
            (6)(a)(iii) produces and underwrites an amount of gross direct written premium equal to, or more than, 5% of the policyholder surplus as reported in the last annual statement of the insurer in any one quarter or year:

                 (6)(a)(iii)(A) with or without the authority;

                 (6)(a)(iii)(B) separately or together with an affiliate; and

                 (6)(a)(iii)(C) directly or indirectly; and
            (6)(a)(iv)

                 (6)(a)(iv)(A) adjusts or pays claims in excess of an amount determined by the commissioner; or

                 (6)(a)(iv)(B) negotiates reinsurance on behalf of the insurer. See Utah Code 31A-23a-102
• Member: means a person having membership rights in an insurance corporation. See Utah Code 31A-1-301
• Obligation: An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period.
• Offer and disseminate: means :
       (8)(a) providing general information, including a description of the coverage and price;
       (8)(b) processing an application;
       (8)(c) collecting a premium; and
       (8)(d) performing activities that the state permits to be done by a person who is not licensed. See Utah Code 31A-23a-902
• Person: includes :
       (146)(a) an individual;
       (146)(b) a partnership;
       (146)(c) a corporation;
       (146)(d) an incorporated or unincorporated association;
       (146)(e) a joint stock company;
       (146)(f) a trust;
       (146)(g) a limited liability company;
       (146)(h) a reciprocal;
       (146)(i) a syndicate; or
       (146)(j) another similar entity or combination of entities acting in concert. See Utah Code 31A-1-301
• Policy: includes a service contract issued by:
            (150)(b)(i) a motor club under Chapter 11, Motor Clubs;
            (150)(b)(ii) a service contract provided under Chapter 6a, Service Contracts; and
            (150)(b)(iii) a corporation licensed under:

                 (150)(b)(iii)(A) Chapter 7, Nonprofit Health Service Insurance Corporations; or

                 (150)(b)(iii)(B) Chapter 8, Health Maintenance Organizations and Limited Health Plans. See Utah Code 31A-1-301
• Policyholder: means a person who controls a policy, binder, or oral contract by ownership, premium payment, or otherwise. See Utah Code 31A-1-301
• Premium: includes , however designated:
            (156)(b)(i) an assessment;
            (156)(b)(ii) a membership fee;
            (156)(b)(iii) a required contribution; or
            (156)(b)(iv) monetary consideration. See Utah Code 31A-1-301
• producer: means a person licensed or required to be licensed under the laws of this state to sell, solicit, or negotiate insurance. See Utah Code 31A-1-301
• Property: includes both real and personal property. See Utah Code 68-3-12.5
• Resident: is a s defined by rule made by the commissioner in accordance with Title 63G, Chapter 3, Utah Administrative Rulemaking Act. See Utah Code 31A-23a-102
• Security: means a:
            (176)(a)(i) note;
            (176)(a)(ii) stock;
            (176)(a)(iii) bond;
            (176)(a)(iv) debenture;
            (176)(a)(v) evidence of indebtedness;
            (176)(a)(vi) certificate of interest or participation in a profit-sharing agreement;
            (176)(a)(vii) collateral-trust certificate;
            (176)(a)(viii) preorganization certificate or subscription;
            (176)(a)(ix) transferable share;
            (176)(a)(x) investment contract;
            (176)(a)(xi) voting trust certificate;
            (176)(a)(xii) certificate of deposit for a security;
            (176)(a)(xiii) certificate of interest of participation in an oil, gas, or mining title or lease or in payments out of production under such a title or lease;
            (176)(a)(xiv) commodity contract or commodity option;
            (176)(a)(xv) certificate of interest or participation in, temporary or interim certificate for, receipt for, guarantee of, or warrant or right to subscribe to or purchase any of the items listed in Subsections (176)(a)(i) through (xiv); or
            (176)(a)(xvi) another interest or instrument commonly known as a security. See Utah Code 31A-1-301
• State: when applied to the different parts of the United States, includes a state, district, or territory of the United States. See Utah Code 68-3-12.5
• Travel administrator: means a person who, in connection with travel insurance, directly or indirectly:
            (9)(a)(i) underwrites;
            (9)(a)(ii) collects a charge, collateral, or a premium from a resident of this state; or
            (9)(a)(iii) adjusts or settles a claim on a resident of this state. See Utah Code 31A-23a-902
• Travel assistance service: includes :
            (10)(b)(i) a security advisory;
            (10)(b)(ii) destination information;
            (10)(b)(iii) a vaccination and immunization information service;
            (10)(b)(iv) a travel reservation service;
            (10)(b)(v) entertainment;
            (10)(b)(vi) activity and event planning;
            (10)(b)(vii) translation assistance;
            (10)(b)(viii) emergency messaging;
            (10)(b)(ix) an international legal or medical referral;
            (10)(b)(x) medical case monitoring;
            (10)(b)(xi) coordination of transportation arrangements;
            (10)(b)(xii) emergency cash transfer assistance;
            (10)(b)(xiii) medical prescription replacement assistance;
            (10)(b)(xiv) passport and travel document replacement assistance;
            (10)(b)(xv) lost luggage assistance; and
            (10)(b)(xvi) a concierge service. See Utah Code 31A-23a-902
• Travel insurance: means insurance coverage for personal risks incident to planned travel, including:
            (11)(a)(i) interruption or cancellation of a trip or event;
            (11)(a)(ii) loss of baggage or personal effects;
            (11)(a)(iii) damages to accommodations or rental vehicles;
            (11)(a)(iv) sickness, accident, disability, or death during travel;
            (11)(a)(v) emergency evacuation;
            (11)(a)(vi) repatriation of remains; or
            (11)(a)(vii) a contractual obligation that indemnifies or pays a specified amount to the traveler upon a determinable contingency related to travel. See Utah Code 31A-23a-902
• Travel protection plan: means a plan that provides:
       (12)(a) travel insurance;
       (12)(b) a travel assistance service; or
       (12)(c) a cancellation fee waiver. See Utah Code 31A-23a-902
• Travel retailer: means a business entity that:
       (13)(a) makes, arranges, or offers a travel service; and
       (13)(b) may offer and disseminate travel insurance as a service to the entity's customers on behalf of and under the direction of a limited lines travel insurance producer. See Utah Code 31A-23a-902