| The following pages constitute what we refer
to as a "Glossary of Insurance
Terms and Coverages".
The coverages, definitions and verbiage explained hereafter
is a simplified outline of the insurance coverages & perils
developed to give you a better understanding of the proposal
of insurance.
The policy itself should be used and read for exact coverages, definitions
and exclusions pertaining to your specific insurance program.
Claims are paid only on the basis of the coverage stipulated
in the policy.
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