Which document serves as proof of coverage for surplus lines policies in New Jersey?

The policy declaration page serves as proof of coverage for surplus lines policies in New Jersey because it provides essential information regarding the coverage, limits, and terms of the insurance policy. This declaration page is typically the first page of the insurance policy and outlines crucial details like the insured's name, the covered property or risks, the effective dates of coverage, and any endorsements attached to the policy. This information is vital for both the insured and third parties to understand the extent of the coverage in place.

In contrast, the application form, while necessary for initiating coverage, does not serve as proof of insurance. It is primarily a record of the information provided by the applicant to the insurer. The premium receipt acknowledges payment but does not confirm the terms or the specifics of the coverage itself. A broker's confirmation letter may verify the arrangement with the insurer but does not encompass the detailed information about what the actual coverage entails. Therefore, the policy declaration page is the definitive document that confirms that coverage is in force under a surplus lines policy.