Which of the following insurance clauses is synonymous with the Pro-Rata Liability Clause?

The Pro-Rata Liability Clause is synonymous with the Other Insurance Clause because both terms relate to how insurance companies share coverage responsibilities when multiple policies apply to the same loss. In instances where more than one policy covers a particular risk, the Pro-Rata Liability Clause ensures that each insurer contributes to the loss settlement in proportion to the coverage that their respective policy provides. This helps prevent over-insurance or duplicative payments for the same claim.

In the context of insurance claims, the Other Insurance Clause serves a similar purpose by detailing how benefits are coordinated among multiple policies covering the same risk. This clause specifically addresses how insurers will split the payout based on their respective limits and the extent of coverage they provide relative to the total amount of coverage available.

The other options do not address this shared responsibility aspect; for instance, the Subrogation Clause pertains to an insurer's right to pursue a third party responsible for a loss after paying a claim. The Indemnity Clause deals with compensating for loss or damage rather than coordinating multiple claims. The Exclusion Clause specifies what is not covered under a policy and does not pertain to the distribution of liability among policies.