Policy Polka

🪗 Policy Polka ! Grab the contract! Let’s read the fine print! ⸻ Verse 1 Paper thick and clauses long Looks confusing, feels all wrong But every policy you see Has the same anatomy Four big parts that run the show Once you learn them, then you know Spin it once and sing along Policy structure in a song ⸻ Pre-Chorus Boom-pah beat and turn the page Let’s decode the coverage stage ⸻ Chorus Declarations! That’s the start Who and what the policy charts Insuring Agreement says what they’ll do What the insurer promises you Exclusions tell what’s not inside What the coverage will deny Conditions lay the rules you see Follow these to keep the policy! ⸻ Verse 2 Name the insured, address and dates That’s where the declarations state Coverage limits, premium too All the details just for you Then the promise comes in line Insuring agreement’s design After that exclusions say What the policy won’t pay ⸻ Pre-Chorus Boom-pah bass and stomp your feet Policy parts repeat repeat ⸻ Chorus Declarations lead the way Insuring Agreement what they’ll pay Exclusions mark what’s left outside Conditions set the rules to guide Declarations! Agreement! Exclusions! Conditions! That’s the policy composition! ⸻ Bridge (spoken over accordion) If a claim comes knocking loud Check these sections, read them proud ⸻ Final Chorus Declarations start the sheet Insuring Agreement coverage meet Exclusions close the risky door Conditions keep the contract sure Spin it once and now you see The policy anatomy! ⸻ Outro Boom-pah! Read the policy!