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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

 

 

 

 

 

  Exclusions

Every insurance policy has exclusions or policy provisions that eliminate coverage for specified exposures. Exclusions serve as a way to clarify the coverages granted by the policy. Most policies have a section entitled Exclusions. However, an exclusionary provision can be anywhere in the policy. Furthermore, an exclusion may also contain a broadening provision. For example, in the commercial general liability policy, the Aircraft, Auto, orWatercraft Exclusions eliminate coverage for the ownership, maintenance, use, or entrustment of these vehicles or vessels.

However, the exclusion has five exceptions where the policy covers watercraft, such as while ashore on the insured's premises and for certain nonowned watercraft. Or under a directors' and officers' liability policy a contractual exclusion may also be a broadening provision when it indicates that the exclusion does not apply to an employment practices claim. Always read the policy carefully and note the provisions that apply to your operations.

  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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