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Declaration Pages – Why They’re Not That Important

I was recently at an event talking with a local business owner. We were discussing the last book she read and how much she enjoyed it. Obviously she was a reader, so I asked her if she also read her entire insurance policy. Like most business owners, she hadn’t because she thought reviewing the declarations pages was sufficient. However, this is a big risk because commercial insurance policies are not created equal. While declaration pages all appear the same, the coverages can be vastly different.

A declaration page is like the cover letter of a fax transmission. It states the…

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