Which section of an insurance policy specifies the insurer's commitments?

The insuring agreement is a crucial component of an insurance policy that outlines the insurer's commitments, detailing what is covered under the policy. It establishes the primary obligations of the insurer, such as the promise to pay for specific losses or damages as defined in the policy. This section serves as the core of the insurance contract and clarifies the circumstances under which the insurer will provide coverage.

In contrast, the declarations page provides essential information about the policy itself, such as the policyholder's details, coverage limits, and the effective dates of the policy, but it does not detail the commitments of the insurer. Exclusions define what is not covered under the policy, while conditions provide the obligations and requirements both the insured and insurer must adhere to within the policy framework. Together, these elements support and complement the insuring agreement, but it is this section that specifically details the commitments made by the insurer.