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... . A wood-shingle roof has a greater risk of burning than an asphalt roof. LINE Another word that is simply unnecessary. I prefer to talk about different types' of insurance. Line' makes sense to me if you're taking about retail products like shampoo and children's toys. But in this era of packaged, multiple-peril policies, the word just doesn't add to anyone's understanding about the product. SURPLUS Yes, you're laughing. My insurance executive students giggle when I display this word on poster-size type. It even looks as bad as ... explain to customers that liability coverage, simply put, pays for damages you do to somebody else. LOSS RATIO .. COMBINED RATIO. ANYTHING RATIO Again, I don't mind if you use them, but you've gotta define them. Just say, For every dollar we collected insuring this fiasco, we paid $1.10 in claims and expenses. Stop there and say no more. NO-FAULT AUTO This otherwise brilliant product should probably sue the insurance industry for abuse and neglect. No wonder most states don't have No-Fault insurance. No one knows what ... and see if they'll accept you as an insured. Sounds like the insurance company's located on a military battleship. How about just insurance company. It's that simple. EXPOSURE Oh, boy. This gets used a lot with the news media, and then we complain about our coverage. The exposure, of course, is simply the riskiness. A wood-shingle roof has a greater risk of burning than an asphalt roof. LINE Another word that is simply unnecessary. I prefer to talk about different types' of insurance. Line' makes sense ...