Wordings Library
Conditions
Clause explained
Warranty Wording
A warranty imposes a specified continuing or time-bound obligation, with legal effect depending on the wording and jurisdiction.
Meaning
A warranty imposes a specified continuing or time-bound obligation, with legal effect depending on the wording and jurisdiction.
Why insurers use it
To make particular risk controls or facts central to the insurer's acceptance of the risk.
Effect on coverage
Breach may suspend or restrict cover, but consequences vary materially by applicable law and policy language.
Illustrative example
A policy requires an operational sprinkler system and documented weekly checks.
Claim consequence
A failed safeguard or missing records can create a serious coverage dispute after loss.
What the insured should negotiate or check
Check exact obligation, responsible person, frequency, records, remedy, causation, notification, and jurisdictional law.