Quick Answer. FreeMD explains that a chest contusion is a bruise to the chest wall and the bruise involves the skin, muscles or ribs of the chest wall. A serious chest contusion possibly causes bleeding in the underlying muscle and subcutaneous tissues, leading to a chest hematoma.
Special Coverage Insurance. Definition: An insurance policy expressly designed to offer a guarantee of protection in the event of specific circumstances . Your business will require its own set of special insurance coverages for the risks inherent in your industry. Sometimes these can be added as endorsements to your policy, or you can buy them separately. Here are a few of the different types of specialty coverage you may need:
Under named peril coverage, the policyholder may have to prove that a loss was caused by a listed peril. With special form coverage, the burden is on the insurance company. The latter can only deny a claim by proving that the source of loss is ineligible for coverage. A special form policy is usually best as it offers more coverage than a named peril policy. Here are a few examples of losses where special form coverage made the difference and a claim was paid: 1  A battery was left on a hardwood floor. 2  When the battery acid leaked out, it spread to the point that it was necessary to replace a large section of the floor. 3  An insured tipped over a bucket containing ammonia.