Insurance policies are legal contracts, but they don’t have to feel unreadable.

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This video walks through the core components of an insurance policy and explains how they work together.

A policy line targets a specific type of risk. You’ll learn what policies are designed to do, how coverage is defined, and where exclusions, limits, and conditions live. This overview helps you understand what you’re actually agreeing to when a policy is issued and what a certificate of insurance does and does not represent.

This policy is commonly reviewed during COI collection and tied to contract compliance tracking.

Why this matters: Understanding how an insurance policy is structured prevents incorrect assumptions about coverage.

Relying on surface-level policy detail scan lead to approving certificates that don’t satisfy contract language or risk transfer requirements. Understanding this policy structure makes COI review, collection, and compliance tracking more accurate and less prone to rework.