Who is referred to as the "you" in the policy language?

In insurance policy language, the term "you" typically refers to the person or organization that is named in the Declarations section of the policy. This section outlines the key details of the insurance agreement, including who is covered, what is covered, and the limits of coverage. By specifying the "you" as the named insured, the policy provides clarity about who has the rights and responsibilities under the contract.

Understanding this definition is crucial because it establishes who is entitled to benefits under the policy, and to whom the insurer is obligated. This distinction is fundamental when determining coverage, filing claims, or addressing any liabilities that may arise. References to non-automatic insureds, third-party liabilities, or a policyholder's representative do not directly define the primary party to the contract as clearly as the named entity in the Declarations. Therefore, it is essential to recognize the significance of the "you" in the context of the insurance contract.