PENNSYLVANIA, January 20 - disaster emergency.

"Insurance company." An insurance company, association,

exchange or any other entity subject to the jurisdiction of the

Insurance Department, excluding any government-owned or

government-controlled insurance company, that insures property

under the act of May 17, 1921 (P.L.682, No.284), known as The

Insurance Company Law of 1921.

"Perils." A risk or cause of loss or damage.

"Policy of insurance." An enforceable contract between an

insurance company and an individual or business, including any

endorsement, rider, written or oral binder, cover note,

certificate or other instrument of insurance attached or

relating to the enforceable contract, without regard to the form

of insurance, which provides any of the coverages enumerated in

section 202 of the Insurance Company Law of 1921, except:

(1) Life, annuity, health or disability insurance.

(2) Mortgage guaranty, financial guaranty or other forms

of insurance offering protection against investment risks.

(3) Fidelity or surety bonds or any other bonding

obligations.

(4) Credit insurance, vendors' single interest insurance

or collateral protection insurance or any similar insurance

protecting the interests of a creditor arising out of a

creditor-debtor transaction.

(5) Insurance of warranties or service contracts.

(6) Title insurance.

(7) Ocean marine insurance.

(8) Transaction or combination of transactions between a

person, including affiliates of the person, and an insurer,

including affiliates of the insurer, which involves the

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