Policy Structure & ProvisionsPregunta 460 de 474
The entire contract provision means the agreement between insurer and insured consists of:
a.The declarations page and nothing else
b.The policy and the underwriting file
c.Whatever the producer told the applicant
d.The policy, application and endorsements
Explicación
The entire contract is the printed policy together with the application and any endorsements attached to it, and nothing outside those documents changes the deal. That is why a producer's spoken assurance about coverage does not bind the insurer once the policy is delivered, and why an insured should read the attached forms. The underwriting file is the insurer's internal work, not part of the contract.
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