Contracts are a framework for commercial activity, a foundation that is firm and sure to which the parties can point, if disputes arise. For this the contract must mean what it says, and say what it means. The goal is certainty. When it comes to insurance contracts, whether the line is personal or commercial, the goal is the same. The insurer wants to know his exposure, which depends in part on the risks he has written. The insured wants to know that he is covered.
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