Coverage Details
What Are Insurance Coverage Details?
Insurance coverage details outline how your insurance protects you — all in writing. It explains which situations your policy will step in to cover. Think of it as a rulebook for your insurance, giving you clarity on exactly how you can expect coverage to respond when things go wrong.
Your coverage details might include coverage for third-party bodily injury, property damage, or your own professional mistakes.
Here’s what to look for in insurance coverage details:
- Scope of protection: What your policy covers and when
- Coverage limits: How much coverage you have in dollar amounts
- Special conditions: Any situations where extra rules apply
- Endorsements: Optional add-ons or updates to your policy
What’s the Difference Between Coverage and Exclusions?
Coverage is what your policy covers (as in, what it can pay for); exclusions list what isn’t covered. Together, they create the full picture of what your policy does and doesn’t cover. It’s crucial to understand both your coverage and exclusions to avoid surprises down the road.
What Happens If Something Isn’t Listed in the Coverage Details?
If something isn’t listed in the coverage details, it’s usually not covered. If you have any questions about your coverage details, call the Insurance Canopy team at 844.520.6993. We can walk you through any gaps so you can decide if extra coverage is right for your business.
Where Do I Find the Coverage Details in My Policy?
Your insurance coverage details are in a section called “Policy Declarations.” It’s usually near the front of your policy documents. If you can’t find it quickly, our customer support agents will gladly point you in the right direction!
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