Well for background, I have opted for a $5K deductible on my HO, landlord and PUP policies to save costs. If there should be a successful liability claim against me while I am engaged in certain specified modeling activities and the particular cause of my liability is not excluded by terms delineated in Exclusions paragraphs A-W or so of the AMA provided liability insurance policy, AMA will pay me that $5K less any deductible amount that applies to that policy ($750 per my recollection).