noun · also: dec page
declarations page
In plain English
The summary page at the front of your policy that lists what's covered, the limits, the deductibles, and what you paid.
It's the cheat sheet. The rest of the policy is the legal contract. When we annotate a policy, the dec page is the first thing we mark up — it tells the whole story in one sheet.
What it covers
Names the insured, the policy period, all coverages and limits, deductibles, premiums, listed forms and endorsements, and the agency.
What it does not cover
It does NOT contain the actual coverage language. Exclusions, conditions, and definitions are in the policy form and endorsements — the dec just lists them by form number.
Where it trips people up
Form numbers matter. CG 00 01 (the standard GL form) tells you you have an occurrence-form GL; CG 21 75 (an exclusion endorsement) tells you something has been removed. The dec lists both — you have to read both.
The technical version
The portion of an insurance policy that contains the personalized information about the insured and the coverage purchased, typically including the named insured, policy period, coverages, limits, deductibles, premiums, and a schedule of attached forms and endorsements.