You left out the death and dismemberment clause.
You know what dingle berries on sheep are called don’t you?
DAG
I always forget something on insurance and insurance wonks always seem to come up with something I have not heard of before and it is usually some arcane phrase that isn’t intuitively obvious in meaning. For example, what would you think that a “voluntary compensation” endorsement on workman’s comp would mean? It sure isn’t what I thought it is.