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A monoline policy is an insurance policy that covers only one specific risk. An example of a monoline policy would be a single auto insurance policy covering only one vehicle. Within the industry, some brokers and agents may consider clients with only one type of insurance policy with their company as a monoline client.
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As the name implies, monoline insurance consists only of a single type of coverage. In the case of monoline property insurance, for example, coverage extends only to property protection. With a package policy, policyholders get coverage for several risks, such as property and liability insurance.
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Monoline lenders are banks or loan originators that focus on providing a specific type of credit such as mortgages, car loans, or personal lines of credit. They do not offer checking or savings.
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Monoline commercial auto insurance is a specialized insurance policy designed to cover the specific needs of businesses that rely on vehicles for their operations. Key features of monoline commercial auto insurance often include liability coverage, physical damage coverage, uninsured/underinsured motorist coverage, medical payments coverage.
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Monoline House is one of the top property management companies in NYC for coops and condos. Some of New York's most desirable cooperatives and condominiums depend on the knowledge of Monoline.
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Risk Impact. Monoline insurers operated in relative anonymity until the financial crisis of 2008 and were among its earliest victims. Regulators and investors underestimated the increased risk.
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Monoline property insurance covers only a single aspect of property insurance. Alternatively, monoline policies may include two or more coverage lines. These give more flexibility. For example, commercial package policies may cover crime, property, general liability, and auto insurance in a single package.
