The declarations page is the customized front section of a policy. It states who is insured, the effective dates, which coverage forms apply, the applicable limits and retentions, the premium, and a schedule of every endorsement attached to the policy.
It is not the coverage grant itself. The declarations page identifies which forms govern, and the forms and endorsements listed there supply the operative terms.
Alternative Names:
Dec Page, Declarations
Why it Matters?
The declarations page is the first document a defense or coverage lawyer should obtain, because it establishes the limits available, whether defense costs erode those limits, and which endorsements must be pulled and read. Reserve setting, exposure analysis, and any evaluation of a policy-limits demand all depend on the information it contains.
Frequently Confused with
Related terms
Frequently asked questions
Is the declarations page the same as a certificate of insurance?
Why does the endorsement schedule matter so much?
