Distinguish between the biotic and abiotic components of an ecosystem and especially how this relates to energy. Biotic factors are the living component of the environment. Abiotic factors are the environment's nonliving component, the physical and chemical factors such as temperature, forms of energy available, water, and nutrients. A habitat includes both biotic and abiotic factors.
A stopgap insurance policy fills a financial risk that occurs due to insurance rules or widely followed policy practices. There are two types of stopgap policies that are most widely used, one by businesses in certain states and the other by individuals to supplement their auto insurance.
Aggregate Stop-Loss Insurance. DEFINITION of 'Aggregate Stop-Loss Insurance'. A policy designed to limit claim coverage (losses) to a specific amount. This type of coverage is to ensure that catastrophic claims (specific stop-loss) or numerous claims (aggregate stop-loss), do not upset the financial reserves of a self-funded plan. Aggregate stop-loss protects the employer against higher-than-expected claims.