Insurance Clause is a contractual agreement between two parties, typically an insurer and an insured, which specifies the terms and conditions of the insurance coverage. It is a legally binding document that is included in an insurance policy to ensure that both parties understand and agree to the coverage provided. Insurance clauses detail the rights, duties, and obligations of both parties, and the scope of the coverage and any exclusions, limitations, or other conditions that may apply. There are several types of insurance clauses, including Conditional clauses, Warranty clauses, Time clauses, Exclusions clauses, and Subrogation clauses. Conditional clauses specify the terms and conditions that an insured must comply with in order to be eligible for coverage. Warranty clauses define the coverage that is provided in the event of a claim, as well as any restrictions or limitations that may apply. Time clauses set a defined period of time during which the policy is in effect. Exclusions clauses specify any risks or losses that are not covered under the policy. Finally, Subrogation clauses allow the insurer to seek reimbursement from a third party for any losses paid out under the policy.