A declarations page, also known as a dec page, summarizes your business insurance policy, including its protections, coverage limits, and the endorsements (if any) you purchased to add on extra coverage. It also shows:
Declarations pages are necessary because insurance policies can be complicated. The full text of your policy might run a dozen pages or more. It helps to have a quick summary available when you need it — especially if you file a claim. After an incident, check your dec page to make sure your policy covers the loss you suffered.
Yes. But the information could vary based on the type of policy.
For example, a declarations page for a professional liability insurance or errors & omissions insurance policy will document your professional duties, while a commercial property insurance policy will include information about your property.
A declaration page summarizes insurance policy details (often a dozen or more page’s worth) into one or two pages to help the policyholder find answers quickly.
A certificate of insurance, also called proof of insurance, is a sharable quick guide to your policy. It’s designed for you to give it to prospects and clients who need proof of your insurance before doing business with you.
Your insurance company will send you a declarations page with your official policy. You can also request one or download it.
When you receive it, go over it carefully to make sure it’s accurate. If it isn’t, let your broker or insurance representative know.
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