First party coverage (Ro.: asigurare pentru riscuri proprii, Fr.: couverture des risques propres, n.f., Gr.: ασφάλιση ιδίου συμφέροντος, Cz.: pojistné plnění) (See also: insurance contract, liability, third party claims) = a type of insurance for liability policy, which is characterised by the fact that compensation for loss or damages is being paid directly towards the insured party, as opposed to receiving payment from someone else’s insurance policy. 

Useful links

Legislation - New York Insurance Law, Art. 51, USA [English]

Case Law - District Court of Appeal of the State of Florida, Joseph Cammarata and Judy Cammarata v. State Farm Florida Insurance Company, 2014

Online Publications - An Explanation of the Differences between First Party Claims and Third Party Claims, - Austin, William K., 2009, First-Party Insurance for Cyber Risks, - Vojcanin, Sava Alexander, Sobczak, Mark J., 2013, First-Party Coverage: The Physical Loss or Damage Requirement, – Simmons, L.D., 2013, United States: A Buyer’s Guide to Cyber Insurance, - Labar, Ivo, 2015, Understanding 'First Pary' versus 'Third Party' Coverage, - What Triggers First-Party Coverage: Facts, Not Fear,


Ostrager, Barry R., Newman, Thomas R., 2013, Handbook on Insurance Coverage Disputes, 16th edition, USA, Aspen Publishers, pp. 973-980

Stempel, Jeffrey W., Swisher, Peter N., Knutsen, Erik S., 2012, Principles of Insurance Law, 4th edition, USA, LexisNexis

Weverka, Philip, 2014, California Property Insurance: Law and Litigation, USA, CEB

Practical use - Christensen, David, First Party Claims,


By Ana Pintea