A clearer answer.
A useful next step.

A summary of stated insurance information, such as names, amounts, and dates. It does not change the policy.

What to checkCheck the details against the request. Ask for relevant policy wording when a specific protection needs confirmation.

A document that changes policy terms. It may add protection, restrict it, or change a condition.

What to checkRead the wording, the policy reference, and the effective date together.

Another person or organization given insured status under the policy terms. Receiving a certificate alone does not establish that status.

What to checkAsk for the wording that gives the requested status and check who and what it applies to.

An amount stated as the maximum payable under particular policy terms. The currency and what the amount applies to both matter.

What to checkCompare the same insurance type, currency, and amount basis. Keep different currencies separate until an agreed comparison is available.

A total cap for the losses and period, project, or location specified in the policy. It applies alongside any per occurrence or per claim limit.

What to checkCheck which losses share the total and when it resets. Count each shared amount only once. $1 million each occurrence and $2 million aggregate does not mean $3 million for one occurrence. Do not assume every aggregate is annual.

The portion of a covered loss allocated to the insured under the policy terms. A retention can work differently.

What to checkConfirm who pays and handles the initial loss. A large deductible does not by itself tell you the contract is unacceptable.

The maximum for covered loss arising from one occurrence, as the policy defines it. One occurrence may involve several claimants. General liability commonly uses this basis.

What to checkRead the occurrence definition and each aggregate separately, including products and completed operations where relevant. The amount basis does not establish the coverage timing.

The maximum for one covered claim, subject to any related claims wording. Professional liability or E&O often uses this basis. Some policies have an aggregate; others use an any one claim structure without a general annual cap.

What to checkCheck related claims, any aggregate, and defense costs. Per claim describes an amount basis; it does not itself mean claims made coverage.

An amount attached to an incident or event as the policy defines it. Related losses or claims may be grouped into one incident. Some cyber and other policies use these terms.

What to checkPreserve the wording. Incident, event, occurrence, accident, and claim are not automatically interchangeable; check the definitions before comparing them.

Auto liability commonly uses a limit for each accident. A combined single limit shares one amount across the stated bodily injury and property damage losses. Split limits keep bodily injury per person, bodily injury per accident, and property damage per accident separate.

What to checkCompare matching categories. A combined single limit does not itself state an annual aggregate. Check the policy’s accident wording and the coverages sharing the amount.

Workplace injury benefits and insurance requirements depend on the applicable statutory system. A generic per incident dollar amount is not a substitute for the benefits required by that system.

What to checkConfirm the relevant jurisdiction, worker status, and required benefits or scheme. Keep workers’ compensation and Employers’ Liability distinct.

U.S. Employers’ Liability commonly separates bodily injury by accident for each accident, disease for each employee, and a disease policy limit. These are distinct limits, not one generic workers’ compensation amount.

What to checkRead each category separately and confirm the local policy structure. Other countries’ Employers’ Liability arrangements and legal requirements may differ.

Generally focuses on when the covered injury or damage happened. This coverage timing is separate from a per occurrence limit, which describes the amount for one occurrence.

What to checkCheck the injury or damage date, policy period, and notice requirements. The date the work was done may be different.

Generally focuses on when a claim is first made. Claims made and reported wording also specifies a reporting period. Any retroactive date, notice condition, or extended reporting period matters.

What to checkAsk for the claim date and the relevant policy timing terms. Insurance held when the work happened is not enough on its own.

A date that can restrict how far back the relevant acts or events may fall under a claims made policy.

What to checkCheck the actual date and wording. It is not necessarily the current policy start date.

Policy wording that removes or limits protection for specified circumstances. An exception to an exclusion may change its reach.

What to checkRead the whole provision and its exceptions before deciding what it means for the request.

Insurance concerned with liability from professional services or advice. Professional indemnity and errors and omissions are related names; wording can differ.

What to checkCheck that the stated services match the agreement. A familiar product name does not establish the same protection.

A provision waiving an insurer's right to seek recovery from a specified party after paying a loss.

What to checkCheck which party, insurance, and circumstances the wording covers. A request in an agreement is not proof the policy provides it.