Certificate of Insurance in NEW YORK some phrases about insurance industry 1. general aggregate limit applies per: a. policy b.project c.LOC Does LOC mean "Letter of Claim"? 2. Personal & ADV injury : $2,000 What does ADV mean? 3. Any executive officer/partner excluded? (Mandatory in NH) What does NH mean? 4.E.L. EACH ACCIDENT: unlimited E.L. DISEASE POLICY LIMIT : unlimited what is E.L. short for? 5.Additional insureds: New York city; FDNY;... what does FDNY mean? maybe Federal of New York?