What type of policy consists of the declaration, conditions, endorsements, and other attachments applied to a single line of insurance?

• A. Monoline
• B. Multiline
• C. Blanket
• D. Comprehensive

Answer: (A)

Policies are categorized by how many lines of insurance they cover. The policy that is built around a single line of insurance—with its own declaration page, conditions, endorsements, and attachments applying specifically to that line—is a monoline policy. This reflects the idea of a standalone coverage for one risk, like a single auto policy or a single property policy, without bundling other lines under the same contract.

If a policy covered more than one line under one contract, that would be a multiline policy. A blanket policy provides one total limit or broader coverage across multiple items or locations within a line, rather than separate limits for each item. Comprehensive describes the breadth of coverage within a line, often all-risk, but it doesn’t specify the number of lines under the policy.