Which clause in a policy would you review to understand what is not covered?

The appropriate clause to review in a policy to understand what is not covered is the exclusions clause. This section specifically outlines the scenarios, risks, or types of damage that the insurance policy will not provide coverage for. It is critical for policyholders to be aware of these exclusions, as they define the boundaries of the insurance protection. By knowing what is excluded, individuals and businesses can make informed decisions about their risk management strategies and may consider additional coverage options if necessary.

While other clauses, such as the conditions clause and limitations clause, address various aspects of the insurance agreement or set certain boundaries within which coverage applies, they do not specifically enumerate the exclusions. The coverage clause outlines what is actually included in the policy, while the exclusions clause precisely identifies the exceptions to that coverage. Therefore, understanding the exclusions is vital for fully grasping the extent and limitations of one’s insurance policy.