Acts 16:26 - calling all insurance men for your opinion

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Eoghan

Puritan Board Senior
Precisely what is an "act of God" in insurance terms - is it an earthquake?

Where did the term come from and when is it going to be attacked by liberals?

Is the term undergoing a redefinition? Easier to change it's meaning than admit the implication! ;)
 
One legal definition of an Act of God (from Black's Law Dictionary): An act occasioned exclusively by violence of nature without the interference of any human agency.

I think the history of the term is straightforward. The English common law was grounded in old-fashioned Calvinism. Any act that has no human intervention must come from God's providence. This was plainly acknowledged.

The significance of it as a legal term is that the law does not impute responsibility to a party if the damage complained of was not caused by any person.

So, in the insurance world it is a term of art, and it is always spelled with and "o."
 
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