Hazard - A circumstance that increases the likelihood or probable severity of a loss. For example, an unattended lit cigarette is a hazard that increases the likelihood of a fire.
Hard Market - The insurance sales Cycle in which competitive pricing is a minimum as companies charge the premiums necessary to meet their underwriting losses in order to avoid insolvency.
Health Insurance - Insurance for financial relief resulting from illness or accidental bodily injury/ies. Included under this heading are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.
Heavy risk (in personal accident) - Heavy risk under Personal accident relates to People in occupations like motor racing, big game hunting, horse riding, pilots, crew of aircraft etc.
Hospital Expense Insurance - Health insurance protection against the cost of hospital care resulting from the illness or injury of the insured person.
House Breaking - When the theft is committed entering into or out of the premises stealthily.
Hull Insurance - Class of ocean marine insurance that covers physical damage to the ship or vessel insured. Typically written on an "all-risks" basis
Hurricane - A tropical storm marked by extremely low barometric pressure and circular winds with a velocity of 75 miles an hour or more.