Which form describes the perils or causes of loss covered by a policy?

• A. Causes of Loss Forms
• B. Declarations
• C. Endorsements
• D. Exclusions

Answer: (A)

Causes of Loss Forms specify the perils the policy covers. This form defines which events or dangers will trigger coverage, outlining the scope of protection. In a named-peril arrangement, only the listed perils are covered, so a loss from an unlisted cause wouldn’t be paid. In contrast, an open-peril (special) form covers everything except those perils the policy explicitly excludes. This form works together with declarations (who, what, where, when, how much), endorsements (modifications to coverage), and exclusions (risks not covered) to shape the exact protection the policy provides.