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The Hammer Clause. Called by some insurance companies âThe Cooperation Clause,â the hammer clause in a professional liability policy is something you should be aware of. The hammer clause is a provision included in many policies that gives the insurance company more control in a claim than you may be comfortable with. It is best described by example:
The life insurance policy clause that prevents an insurance company from denying payment of a death claim after a specified period of time is known as the Incontestability clause Which of the following protects the insured from an unintentional policy lapse due to a nonpayment of a premium