Insurance Coverage In Less Than 100 Words

To determine whether or not an insurance policy provides coverage or benefits one must carefully review the declarations page(s), insuring clauses, definitions, limitations, exclusions, riders, amendments and attached application page(s), and consider all that apply together with the facts. The insured has the burden on triggering coverage; insuring clauses are intepreted broadly. The insurer has the burden on limiting or excluding coverage; such clauses are interpreted narrowly. Even if insurance coverage appears to be present based on initial examination of the policy terms in light of the facts, its availability may still be affected by applicable statutes, rules or cases, and by various defenses.

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