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Usual, Customary, and Reasonable (UCR) See Reasonable and Customary.
Utilization This refers to how much a covered group uses a particular health plan or program.
Utilization and Review Committee A committee composed of medical personnel whose purpose it is to monitor the health care services and supplies provided to Medicare patients.
Utilization Management This procedure or process utilizes a review coordinator to evaluate the necessity and appropriateness of various health care services.
Utilization Review A cost control mechanism by which the appropriateness, necessity, and quality of health care is monitored by both insurers and employers.
Uusal, Customary And Reasonable Fees A term used in health and dental insurance programs to designate what the insurer has determined to be the fair and reasonable cost of a given service in the territory the insured is located in.
Vacancy Or Unoccupancy Permit An endorsement added to a property policy be the insurer which permits or agrees to continue coverage on a building that has been vacant or unoccupied for more than the limitation period specified in the policy.
Vacant Building A building with nothing in it. If the furniture is in the building and the owner intends to return, the building is unoccupied.
Valuation The act of determining the worth (or value) of an item of real or personal property most often done by means of an appraisal.
Vandalism Damage done maliciously, included in the extended coverage endorsement. Also called "malicious mischief."
Variable Life Insurance A type of life insurance where payout or benefits are not a fixed amount, but rather are variable depending on the investment earnings accumulated. The insured is allowed the investment option and/or the stock portfolio desired. The cash surrender value or benefits are tied directly to the income earned by the investments.
VEBA Voluntary employee beneficiary association.
Vendors Coverage A commercial general liability endorsement that extends additional insured coverage to designated vendors for both bodily injury and property damage losses that may be a result of the insured's and vendor's products.
Vicarious When a party is held responsible for the actions or conduct of another party based soley on the relationship of the two parties.
Vision Care Coverage A health care plan usually offered only on a group basis which covers routine eye examinations, and which may cover all or part of the cost of eyeglasses and lenses.
Voluntary Employee Beneficiary Association (VEBA) A trust established under IRS Code 501(c)(9) that can be used to prefund health care.
Waiting Period 1)In health insurance, the duration of time between the start of a disability and the start of benefits, as provided in the policy. Also known as elimination period. 2)In some business interruption insurance policies, a deductible clause.
Waiting Period The period of time between the beginning of a disability and the start of Disability Insurance benefits. Also called Elimination period.
Waiver 1)In property-liability insurance, the intentional relinquishment of a known right. To illustrate, and insurance policy may set forth certain conditions with which a policyholder must comply under penalty of voiding the insurance, e.g., maintain a watchman on the premises or keep a sprinkler system in working condition. The company may voluntarily give up this right to avoid the policy. Such a waiver may be conveyed by implication or by direct statement. Estoppel is a term sometimes used interchangeably with waiver in the law of insurance. 2)A waiver-or-premium provision in a life or health insurance policy that the policy will be kept in force by the insurer without payment of further premiums if the insured becomes permanently and totally disabled as defined in the policy.
Waiver of Coverage A section on the enrollment form which states that an employee was offered insurance coverage but opted to waive this coverage.
Waiver of Subrogation A condition of an insurance policy which states that the coverage will not be prejudiced if the insured has waived in writing prior to a loss any rights of recovery from a party responsible for the loss.
War Risk Clause Language exempting the insurer from liability for claims arising out of war or warlike operations.
Warehouse to Warehouse Clause Language in a policy of marine cargo insurance which extends the protection from the warehouse at which the shipment originates to the one at which it terminates. Marine policies originally covered only on shipboard, leaving the property without insurance in between unless specifically arranged.
Warehousepersons' Legal Liability Covers responsibility for loss or damage to property in the insured's warehouse.
Water Damage Insurance Insurance against loss due to the accidental presence of water (other than flood or surface water) in places it is not supposed to be.
Watercraft Exclusion An exclusion in most standard personal commercial liability coverages regarding watercraft. Often excluded is liability from the ownership, use, maintenance, rental, or loan of watercraft.
Weather Insurance A specialty insurance that provides coverage for loss of income and/or expenses when an outdoor special event must be canceled or postponed due to weather conditions. Usually written on a per-event basis.
Wedding Presents Floater An "all-risk" inland marine form designed to insure wedding presents before and for a limited time after a wedding.
Worldwide Coverage Endorsements or policy provisions that broaden the coverage territory to worldwide, thus giving the insured the applicable insurance protection anywhere in the world.
Wrap-Up-Policy One policy, covering all involved interests for big construction projects, i.e., the owner, the contractor, subcontractor, suppliers, etc., providing general liability and workers compensation insurance.
Written Premiums The premiums on all the policies which a company has issued in a period of time, as opposed to earned premium.
Wrongful Death Act A law in some states that permits the possible recovery, by a legal representative of a deceased such as the executor, administrator, widow, widower, dependent children or next of kin, from the party causing death, of legally recoverable special and/or general damages.
XCU A term used in commercial general liability insurance to designate that three hazards exist for the classification under review. Those three hazards are explosion, collapse and underground. The current CGL includes those coverages automatically in the basic form, but they may be deleted by endorsement.
Yacht A larger vessel used for pleasure purposes, as distinguished from a motorboat, sailboat or commercial vessel.
Yacht Insurance A marine insurance designed to provide property damage or hull coverage for yachts, cabin cruisers, and sailing vessels. Some will also cover small inboard motors and other personal vessels.


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Tutton Insurance Services, Inc.

2913 S Pullman Street

Santa Ana, CA 92705

Main office: 949-261-5335
Toll free: 800-750-1002
Fax: 949-261-1911

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.