What it means
Often called the dec page, the declarations is usually the first part of a policy. It lists the named insured and address, policy number, insurer, policy period, coverages purchased, limits, deductibles and premium.
It also often includes a schedule of forms and endorsements, or refers to one. That list shows which standard and custom forms shape the coverage.
The declarations page is a summary. The coverage itself is defined by the full policy forms and endorsements, so both should be reviewed together.
An example
Before signing a lease, the owner of Mesa Verde Coffee Roasters checks the declarations page to confirm the general liability limits, the property deductible and the business address. The limits match the landlord’s requirements but the address does not, so the owner asks for a correction.
Names in this example are fictional.
See this term in your own contract.
Send a lease, subcontract or client agreement with the policies you hold. You get every insurance requirement in it, cited to the clause, set against what your policies say. Free, and back within one business day.
Get a free contract checkDeclarations page, answered
Is the declarations page proof of insurance?
It shows what the policy contains, and some clients accept it, but most ask for a certificate of insurance instead. Declarations pages include premium and other details businesses may prefer to keep private. When a contract requires specific endorsements, clients may also ask for copies of those forms.
What should I check on my declarations page at renewal?
Confirm the named insured, addresses, policy period, limits, deductibles and the list of forms and endorsements. Compare limits with contract requirements and look for new exclusions. Check that rating information, such as payroll or revenue estimates, matches reality, because errors can affect premium and audits.
General information only. It is not legal or insurance advice. Only issued policy documents and endorsements describe actual coverage.