Special causes of loss form

{
  "id": "MLC-T-INS-003122",
  "term": "Special causes of loss form",
  "field": "Insurance and risk management",
  "definition": "An insurance form that provides coverage for direct physical loss or damage to insured property from any cause not specifically excluded in the policy. This approach offers broader protection compared to a named perils form, which only covers losses from causes explicitly listed. Exclusions often include events like earthquake, flood, and nuclear hazard.",
  "url": "https://mlchart.com/terminology/insurance/special-causes-of-loss-form/"
}