Although all persons with mental retardation have significantly impaired mental development, their intellectual level can vary considerably. An estimated 89 percent of all people with retardation have I.Q.s in the 51-70 range. An I.Q. in the 60 to 70 range is approximately the scholastic equivalent to the third grade.
Understanding Business Owners Policies (BOPs) SMALL BUSINESS BASICS. It may sound like a dance craze from the 1950s, but a BOPâa Business Owners Policyâcan protect your small business against todayâs most common risks. Fire, burglary, liability and business interruption losses are all covered under a BOP.
Since insurance policies are standard forms, they feature boilerplate language which is similar across a wide variety of different types of insurance policies. The insurance policy is generally an integrated contract, meaning that it includes all forms associated with the agreement between the insured and insurer. In some cases, however, supplementary writings such as letters sent after the final agreement can make the insurance policy a non-integrated contract.