{"component": "clause", "props": {"groups": [{"snippet": "We provide the insurance described in this policy in return for payment of the premium and subject to the terms and conditions set out. All amounts of insurance, premiums and other amounts as expressed in this policy are in Canadian currency. The Certificate of Property Insurance summarizes the Insurance coverage you have selected and the premiums, limits, amounts and deductibles that apply to them. Among other things, the Certificate of Property Insurance also identifies the policyholder, the policy term and any Endorsements that apply to your Insurance Coverage. Only losses that occur within the policy term shown on the Certificate of Property Insurance will be covered under this policy. There will be no coverage for any loss that occurred or was in progress prior to the policy period inception date or after the policy period expiry date shown on the Certificate of Property Insurance. Insurance cannot be a source of profit. 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If you make your initial payment by check or any method other than cash, coverage under this policy is conditioned upon that initial payment being honored when first presented for payment to your bank or financial institution.", "size": 11, "snippet_links": [{"key": "to-insure", "type": "clause", "offset": [43, 52]}, {"key": "terms-of", "type": "definition", "offset": [73, 81]}, {"key": "this-policy", "type": "definition", "offset": [82, 93]}, {"key": "declarations-page", "type": "definition", "offset": [125, 142]}, {"key": "limits-of-liability", "type": "clause", "offset": [154, 173]}, {"key": "payment-by-check", "type": "clause", "offset": [200, 216]}, {"key": "coverage-under", "type": "clause", "offset": [248, 262]}, {"key": "payment-to", "type": "clause", "offset": [355, 365]}, {"key": "bank-or-financial-institution", "type": "definition", "offset": [371, 400]}], "samples": [{"hash": "7L7kFYUtdZ5", "uri": "/contracts/7L7kFYUtdZ5#insuring-agreement", "label": "Insurance Policy", "score": 30.6009635925, "published": true}, {"hash": "anUjjE676yC", "uri": "/contracts/anUjjE676yC#insuring-agreement", "label": "Personal Car Insurance Policy", "score": 29.8208141327, "published": true}, {"hash": "71IBj263Sen", "uri": "/contracts/71IBj263Sen#insuring-agreement", "label": "Personal Car Insurance Policy", "score": 29.8208141327, "published": true}], "hash": "24af6e58c63de6c4453a1515dfa53bf2", "id": 6}], "next_curs": "ClsSVWoVc35sYXdpbnNpZGVyY29udHJhY3RzcjcLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhtpbnN1cmluZy1hZ3JlZW1lbnQjMDAwMDAwMGEMogECZW4YACAA", "clause": {"title": "INSURING AGREEMENT", "parents": [["exclusions", "Exclusions"], ["conditions", "CONDITIONS"], ["appraisal", "Appraisal"], ["coverages", "COVERAGES"], ["other-insurance", "OTHER INSURANCE"]], "size": 658, "children": [["", ""], ["deductible", "DEDUCTIBLE"], ["indemnity-agreement", "INDEMNITY AGREEMENT"], ["maximum-limit-of-loss", "MAXIMUM LIMIT OF LOSS"], ["policyholder-initiated-changes-to-coverage", "POLICYHOLDER-INITIATED CHANGES TO COVERAGE"]], "id": "insuring-agreement", "related": [["insurance-agreement", "Insurance Agreement", "Insurance Agreement"], ["indemnity-agreement", "Indemnity Agreement", "Indemnity Agreement"], ["student-agreement", "Student Agreement", "Student Agreement"], ["reinsurance-agreements", "Reinsurance Agreements", "Reinsurance Agreements"], ["one-agreement", "One Agreement", "One Agreement"]], "related_snippets": [], "updated": "2025-07-24T06:48:53+00:00", "also_ask": [], "drafting_tip": "Clearly define covered risks to avoid ambiguity, specify exclusions to prevent unintended coverage, and state policy limits to ensure enforceability.", "explanation": "The Insuring Agreement is a foundational clause in an insurance policy that defines the scope of coverage provided by the insurer. It specifies what types of losses, damages, or events are covered, under what circumstances, and often outlines the obligations of both the insurer and the insured. For example, it may state that the insurer will pay for property damage caused by fire or theft, subject to certain conditions. The core function of this clause is to clearly establish the insurer\u2019s promise to provide coverage, thereby setting the boundaries of protection and helping both parties understand their rights and responsibilities under the policy."}, "json": true, "cursor": ""}}