The summary page of your policy listing your named insured, limits, dates, and premium.
The declarations page (or "dec page") is the first page of your policy. It lists the named insured, policy period, coverage limits, deductibles, premium, and the specific coverages included. It's the fastest way to confirm who's covered, for how much, and until when.
The declarations page (or dec page) is the summary page of your insurance policy that lists key details at a glance. It includes the named insured, policy period dates, coverage limits, deductibles, premium amount, and the specific coverages included in your policy. It's typically the first page of your policy document and serves as a quick reference for your coverage details.
A declarations page lists your policy's essential details: the named insured (your business name), policy effective and expiration dates, coverage limits for each type of coverage, deductibles, total premium, and any endorsements attached to the policy. It also includes your policy number and the insurance company's information. The dec page is primarily for your internal reference, while a certificate of insurance is the standard document you provide to third parties requesting proof of coverage.
No, the declarations page is just the first page summarizing your coverage details, not the complete policy. The full policy includes the declarations page plus the insuring agreement, exclusions, conditions, definitions, and endorsements—often 20 to 100+ pages. The dec page tells you what limits you bought; the full policy explains exactly what is and isn't covered and your obligations as the insured.
Definitions are educational and may be modified by your specific policy language, endorsements, and state rules. For regulatory guidance, refer to the California Department of Insurance or the NAIC.
Last updated: July 2026.