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  Five Parts of Insurance Policy

  Declarations
  Insuring Agreements
  Definitions
  Exclusions
  Conditions
 
 Life Insurance

  Life Insurance
  Terms Life Insurance
  Whole Life Insurance
  Universal Life Insurance
  Children's Life Insurance 
  Senior Life Insurance 
  Health Insurance

  Health Insurance
  Managed Care
  Fee-For-Service Health Plan
  Health Maintenance Organization
  Point-of-Service Plans
  Preferred Provider Organizations

 

 

 

 

 

  Declarations

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.

  Auto Insurance

  Auto Insurance
  Third Party
  Third Party, Fire & Theft
  Comprehensive Insurance
 
  Home Insurance

  Home Insurance
  Comprehensive
  Basic/Named Perils
  Broad
  No Frills 
 Liability Insurance

  Public Liability
  Product Liability
  Employers Liability
  General Liability
  Insurable Risk

 

 


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