Advisory policy wordings (often referred to as "forms," "insurance forms" or "policy forms") are developed by the IBC Wordings Advisory Group (formerly known as the Underwriting Committee).

Policy wordings are the basis of the insurance coverage contract between the insured consumer and the insurer. Although the advisory model wordings are intended as industry benchmarks, their use, in whole or in part, is entirely at the discretion of each company. The wordings and formats of each insurance company's policies will be appropriate to the company's specific requirements. Click on the links below or in the left navigation bar to view specific wordings.Habitational WordingsCommercial General Liability WordingsGeneral Property WordingsCommercial Property Wordings