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  Five Parts of Insurance Policy

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The Declarations or dec page is usually the first page of the policy. It summarizes key information specific to the policy. The dec page shows the insured's name and address, the policy dates, a brief description of the business, coverages provided, coverage limits, premiums, and the forms applicable to the policy.

The declarations section also contains various schedules that identify the location(s) of the insured's operations (including values or limits), the various assigned rating classifications, the rates and rating basis, and any special property covered (cameras, fine arts, construction equipment). If the policy is on a claims-made liability form, the dec page will identify it as such, and will show the retroactive date.

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