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The coverage grant is the core promise the insurance company makes in the policy — the paragraph where the insurer defines what it will pay for and under what circumstances. Whether you’re reading a personal auto policy, a commercial general liability form, or a professional liability contract, the coverage grant is always the starting point. Everything else in the policy — the definitions, the exclusions, the conditions, the endorsements — either narrows, qualifies, or expands that central promise. Understanding the coverage grant means understanding what the insurer actually agreed to do, which is the first and most important question in any coverage dispute.
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