Declarations page

A one-page summary of your business insurance policy coverage.


What is a declarations page?


A declarations page, also known as a dec page, summarizes your business insurance policy, including its protections, coverage limits, and the endorsements (if any) you purchased to add on extra coverage. It also shows:

  • The names of individuals or firms who’ve placed liens on your property.
  • Your ongoing cost of the policy (the premium).
  • The policy deductible (your out-of-pocket expenses for claims).
  • Your policy’s effective start date and end date.

Why do I need a declarations page?

Declarations pages are necessary because insurance policies can be complicated. The full text of your policy might run a dozen pages or more. It helps to have a quick summary available when you need it — especially if you file a claim. After an incident, check your dec page to make sure your policy covers the loss you suffered.

Does all business insurance have a declarations page?

Yes. But the information could vary based on the type of policy.

For example, a declarations page for a professional liability insurance or errors & omissions insurance policy will document your professional duties, while a commercial property insurance policy will include information about your property.

How is a declarations page different than a certificate of insurance?

A declaration page summarizes insurance policy details (often a dozen or more page’s worth)  into one or two pages to help the policyholder find answers quickly.

A certificate of insurance, also called proof of insurance, is a sharable quick guide to your policy. It’s designed for you to give it to prospects and clients who need proof of your insurance before doing business with you.

How do you get a declarations page?

Your insurance company will send you a declarations page with your official policy. You can also request one or download it.

When you receive it, go over it carefully to make sure it’s accurate. If it isn’t, let your broker or insurance representative know.

Need to file an insurance claim with NEXT?

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Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability insurance
General Liability

Protect yourself from accidents that cause physical injury or damaged property.

Professional Liability or Error and Omissions Insurance
Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

Workers' Compensation Insurance
Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

Commercial Auto Insurance
Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

Tools & Equipment Insurance
Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property Insurance
Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

Business Owner’s Policy Insurance
Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

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