Which section outlines the duties and responsibilities of the insured and the insurer?

• A. Conditions
• B. Exclusions
• C. Declarations
• D. Insuring agreement

Answer: (A)

The section that lays out the duties and responsibilities of both the insured and the insurer is the part called the Conditions. This portion specifies what the insured must do after a loss (for example, giving prompt notice, protecting the property, cooperating with the claims adjuster, and providing proof of loss) and what the insurer must do to fulfill the contract (such as paying covered claims and handling the adjustment). It also covers rules about timeframes, appraisal, subrogation, and cancellation or non-renewal. The Insuring Agreement describes the promise to indemnify, Declarations supply policy facts, and Exclusions list what isn’t covered. So the duties and responsibilities are defined in the Conditions.