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.
The first section of the policy is the declarations page,. which lists what coverages are in effect and the dollar. amounts of coverages. The next section of the policy. includes the actual contract language, clearly describing. the insurance company's rights and responsibilities as. well as the policyholders. The policy may also contain. a third section called the endorsement section, which.