Proximate cause

Term · Insurance and risk management · MLC-T-INS-002746

The direct and immediate cause of a loss, without which the loss would not have occurred. It is the active and efficient cause that sets in motion a chain of events leading to the damage or injury. Insurers analyze proximate cause to determine if a loss is covered under the policy, as coverage often depends on whether the peril causing the loss is an insured peril.

Table 1. Record
Identifier	MLC-T-INS-002746
Field	Insurance and risk management
Subject	Businessowners Policy

Record as JSON

{
  "id": "MLC-T-INS-002746",
  "term": "Proximate cause",
  "field": "Insurance and risk management",
  "definition": "The direct and immediate cause of a loss, without which the loss would not have occurred. It is the active and efficient cause that sets in motion a chain of events leading to the damage or injury. Insurers analyze proximate cause to determine if a loss is covered under the policy, as coverage often depends on whether the peril causing the loss is an insured peril.",
  "subject": "Businessowners Policy",
  "url": "https://mlchart.com/terminology/insurance/proximate-cause/"
}

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