What is an Insurance Declaration Page?
Every insurance policy includes a Declaration Page(s) at its front. It lists the key information about your insurance policy. Often referred to as a dec page or information page, a declaration page is the first place to look for vital information about your insurance coverage. Summarizing key elements of your policy, it lists what/who has coverage under the policy, insurance coverage details, and the cost of your policy.
What is on a Declaration Page?
Typically, a lawyers' professional liability Declaration Page will include:
- Type of insurance policy (example: claims made and reported policy)
- Named Insured
- Address of the Named Insured
- Retroactive Coverage Date
- Name(s) of each insured attorney
- Policy number
- Policy term (the period in which the coverage is active), effective and expiration dates
- Name of the insurance company (insurer) and contact information
- Coverage types and limits purchased
- Premium (the cost of insurance)
- Endorsements, if applicable, added to the policy
- Agent / broker contact information (if applicable)
Why does this matter to you?
The rest of your insurance policy sets forth the terms and conditions of the insuring agreement. It is highly recommended you read the full policy to assure you understand both your responsibilities and those of the insurer in the event of a claim – and more generally.
As soon as you get a copy of your policy declarations page you must review it to make sure the information is correct. If it’s not accurate, you may run into problems when you need to file a claim.
After a comprehensive review, you should store your Declaration Page along with your full policy, in a safe place for future reference. Your policy will spell out how to report a claim and address any necessary changes during your policy term.
How do I get a copy of my Declaration Page?
Upon policy issuance, you should automatically receive a copy of your Declaration Page. ALPS will mail it directly to the named insured address listed. However, if your state allows electronic delivery (eDelivery) of your insurance documents, you can also log into your account center and download a copy at any time during your policy period.
If you have any questions about your declaration page, or about any aspect of your ALPS coverage, reach out to your dedicated account manager for help.
Related Insurance Definitions
Limits of Liability
First Dollar Defense (FDD)
Defense Within Limits (DWL) vs. Defense Outside Limits (DOL)
Retroactive Coverage Date or Retroactive Date
Supplementary Payments or Sub-Limit Coverages