var hint_array = new Array();
hint_array['hint1'] = "Comprehensive General Liability - Covers \"property damage\" and \"bodily injury\" which occurs during the operations of your business for which you are being sued or held liable. The insurance company has the right to defend the insured (your business or you) against any \"lawsuit\" seeking damages as the insurance applies. If your business is a partnership or joint venture, this policy would cover all partners or members and their spouses -- but only if they're sued because of something they did while acting in an official capacity for your business. If your business is a corporation or association, this policy would also cover executive officers and directors while acting in official capacities as employees.";
hint_array['hint2'] = "Abuse and Molestation - The insurance company will pay those sums that the insured becomes legally obligated to pay as \"damages\" because of any actual, threatened, intentional or unintentional sexual conduct or misconduct, sexual or physical abuse or sexual molestation by anyone, of any person to which this insurance applies. The legal costs and all other costs incurred by the insurance company to defend such claims may reduce the coverage available to pay \"damages\".";
hint_array['hint3'] = "Professional Liability - This covers damages resulting from a negligent act, error, omission, misstatement or misleading statement made by you and negligent acts of other persons for whose actions you are legally responsible, i.e., employees. Defense costs in suits alleging negligent acts, even if any of the allegations of the claim or suit are groundless, false or fraudulent. (Defense costs are included within the limits of liability.)";
/* hint_array['hint4'] = "Personal Injury Liability - This covers something your business does or fails to do that may not physically harm a person, but may personally injure them. This coverage protects you from such personal injury and \"lawsuits\" arising from such injury, for example publishing (either verbally or in writing) inaccurate information that slanders or libels a person or organization, publishing material that violates a person’s right of privacy, or falsely arresting, detaining or imprisoning someone, or maliciously prosecuting someone or wrongfully evicting someone."; */
hint_array['hint5'] = "Crime Coverage - Provides protection against the financial loss caused by the dishonest disappearance of money, securities or negotiable instruments by an officer, employee or volunteer whether involving forgery or theft.";
hint_array['hint6'] = "Corporal Punishment - The insurance company will pay those sums that the insured becomes legally obligated to pay as \"damages\" because of any actual, threatened, intentional or unintentional physical conduct or misconduct, or physical abuse by anyone, of any person to which this insurance applies. The legal costs and all other costs incurred by the insurance company to defend such claims reduces the coverage available to pay \"damages\".";
hint_array['hint7'] = "Umbrella Coverage - Umbrella liability insurance is so named because it acts like an umbrella, sitting on top of general liability insurance and auto insurance to provide extra protection beyond the protection provided by the base policy. Umbrella insurance usually has a large deductible as it is not used until after the main insurance is exhausted. Because it has a large deductible and comes second to any liability, the rates are fairly low.";
hint_array['hint8'] = "Building Coverage - If you are a renter you do not need to insure the structure or building. Any leasehold improvements permanently affixed to the building or permanently installed on t he property is considered part of the building and cannot be insured by a tenant. Building coverage is necessary to protect the structures on the property at replacement cost, so incase of damage or loss you have the coverage needed to repair or replace the loss.";
hint_array['hint9'] = "Building Contents - Protects all the equipment, furniture, fixtures, books and materials inside the building should a loss occur due to fire.";
/* hint_array['hint10'] = "Damage from Criminal or Natural Events - Provides coverage on building contents damaged or lost due to theft, vandalism, hurricanes or other natural events."; */
hint_array['hint11'] = "Property Extension Endorsements - The following coverages can be made available with a property extension endorsement:";
hint_array['hint12'] = "Owned Business Automobiles - This covers all automobiles, vans or trucks owned by your business and used in the course of doing business. It provides for both liability and property damage.";
hint_array['hint13'] = "Non-Owned Automobiles - Should an accident occur in an automobile engaged in your business activities this coverage protects you from liability to the limits of the policy if the person whose car was being driven did not have appropriate insurance.";
hint_array['hint14'] = "Hired Autos - Should you hire a service to provide transportation and if they were not insured or their insurance lapsed and you had liability, this protection would be provided to the limits of the policy.";
hint_array['privhint1'] = "Comprehensive General Liability - Covers \"property damage\" and \"bodily injury\" which occurs during the operations of your business for which you are being sued or held liable. The insurance company has the right to defend the insured (your business or you) against any \"lawsuit\" seeking damages as the insurance applies. If your business is a partnership or joint venture, this policy would cover all partners or members and their spouses -- but only if they're sued because of something they did while acting in an official capacity for your business. If your business is a corporation or association, this policy would also cover executive officers and directors while acting in official capacities as employees.";
hint_array['privhint2'] = "Employee Benefits Liability - This coverage is for if you administer an employee benefits plan for your staff. This covers claims resulting from negligent acts or omissions in enrollment, such as mistakes in coverage or inadvertently omitting an eligible employee from coverage.";
hint_array['privhint3'] = "Abuse and Molestation - The insurance company will pay those sums that the insured becomes legally obligated to pay as \"damages\" because of any actual, threatened, intentional or unintentional sexual conduct or misconduct, sexual or physical abuse or sexual molestation by anyone, of any person to which this insurance applies. The legal costs and all other costs incurred by the insurance company to defend such claims may reduce the coverage available to pay \"damages\".";
hint_array['privhint4'] = "Professional Liability - This covers damages resulting from a negligent act, error, omission, misstatement or misleading statement made by you and negligent acts of other persons for whose actions you are legally responsible, i.e., employees. Defense costs in suits alleging negligent acts, even if any of the allegations of the claim or suit are groundless, false or fraudulent. (Defense costs are included within the limits of liability.) ";
hint_array['privhint5'] = "Accident Medical insurance - This pays students’ medical bills if they are injured at your school or during activities you sponsor and have no insurance of their own, or their bills exceed what their insurance pays.";
/* hint_array['privhint6'] = "Personal Injury Liability - This covers something your business does or fails to do that may not physically harm a person, but may personally injure them. This coverage protects you from such personal injury and \"lawsuits\" arising from such injury, for example publishing (either verbally or in writing) inaccurate information that slanders or libels a person or organization, publishing material that violates a person’s right of privacy, or falsely arresting, detaining or imprisoning someone, or maliciously prosecuting someone or wrongfully evicting someone. "; */
hint_array['privhint7'] = "Sports Liability - This coverage is for interscholastic and intramural sports, including archery, baseball, basketball, equestrian, field hockey, football, golf, gymnastics, lacrosse, soccer, swimming, tennis, volleyball, and wrestling. Certain restrictions apply to some sports.";
hint_array['privhint8'] = "Crime Coverage - Provides protection against the financial loss caused by the dishonest disappearance of money, securities or negotiable instruments by an officer, employee or volunteer whether involving forgery or theft. ";
hint_array['privhint9'] = "Corporal Punishment Liability - The insurance company will pay those sums that the insured becomes legally obligated to pay as \"damages\" because of any actual, threatened, intentional or unintentional physical conduct or misconduct, or physical abuse by anyone, of any person to which this insurance applies. The legal costs and all other costs incurred by the insurance company to defend such claims reduces the coverage available to pay \"damages\".";
hint_array['privhint10'] = "Special Events Liability - Protects you from liability during field trips, fund-raisers, and other special events. ";
hint_array['privhint11'] = "Umbrella Coverage - Umbrella liability insurance is so named because it acts like an umbrella, sitting on top of general liability insurance and auto insurance to provide extra protection beyond the protection provided by the base policy. Umbrella insurance usually has a large deductible as it is not used until after the main insurance is exhausted. Because it has a large deductible and comes second to any liability, the rates are fairly low.";
hint_array['privhint12'] = "Building Coverage - If you are a renter you do not need to insure the structure or building. Any leasehold improvements permanently affixed to the building or permanently installed on t he property is considered part of the building and cannot be insured by a tenant. Building coverage is necessary to protect the structures on the property at replacement cost, so incase of damage or loss you have the coverage needed to repair or replace the loss.";
hint_array['privhint13'] = "Building Contents - Protects all the equipment, furniture, fixtures, books and materials inside the building should a loss occur due to fire.";
hint_array['privhint14'] = "Systems Breakdown - Protects you when any mechanical, electrical, or pressure system breaks down. This includes heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.";
/* hint_array['privhint15'] = "Damage from Criminal or Natural Events - Provides coverage on building contents damaged or lost due to theft, vandalism, hurricanes or other natural events. "; */
hint_array['privhint16'] = "Property Extension Endorsements - The following coverages can be made available with a property extension endorsement:";
hint_array['privhint17'] = "Owned Business Automobiles - This covers all automobiles, vans or trucks owned by your business and used in the course of doing business. It provides for both liability and property damage.";
hint_array['privhint18'] = "Non-Owned Automobiles - Should an accident occur in an automobile engaged in your business activities this coverage protects you from liability to the limits of the policy if the person whose car was being driven did not have appropriate insurance.";
hint_array['privhint19'] = "Hired Autos - Should you hire a service to provide transportation and if they were not insured or their insurance lapsed and you had liability, this protection would be provided to the limits of the policy.";
hint_array['homehint1'] = "Allows you to turn over to the insurance company any covered law suits (except those specifically excluded). The insurance company’s attorneys represent your interests to defend you.";
hint_array['homehint2'] = "Payment will be made to or for each person who sustains bodily injury caused by an occurrence all reasonable medical expenses incurred within one year from the date of the occurrence. Medical payments are limited to $1,000 for each person injured, $5,000 for each occurrence regardless of the number of persons injured and $10,000 in the aggregate for the policy term.";
hint_array['homehint3'] = "Allows you to turn over the insurance company any lawsuit involving allegations of sexual abuse involving children in your care. Coverage of $100,000 PER occurrence and $300,000 aggregate.";