Which of the following fit into the policy definition of a separate structure?

Q: Which of the following is covered under a dwelling policy?

Your policys dwelling insurance, which is also called Coverage A, is designed to cover the structure of your home, including your roof, the exterior and interior walls, and permanently attached structures like decks.

Policies are a set of general guidelines. They outline your organization’s plan for tackling certain issues.

Inhaltsverzeichnis Show

Why policies and procedures matter to your organization
What is considered a separate structure?
Which of the following would you find in the conditions section of an insurance policy?
Which of the following is covered under a dwelling policy?
What is covered under Coverage B?

The purpose of policies is to communicate an organization’s values, philosophy, and culture. They include, but aren’t limited to, the following:

What employees can expect from the organization (employee benefits, vacation policy)
What the company expects from employees (code of conduct, confidentiality agreements)
What customers and the community can expect from the organization (customer service policies)

Effective policies also lay the foundation for a healthy work culture. Maybe you’ve seen firsthand how policies influence culture, communicate expectations to employees, and guide day-to-day operations. And maybe you’ve seen the adverse effect of neglected policies.

Good policy is more than just a list of rules. It should show employees the purpose behind their jobs and provide ways to measure success. What makes a good policy?

Clear, concise, and simple language
Explains the rule, not how to implement the rule
Easily accessible by staff at all times
Represents a consistent, logical framework

What is a procedure?

After establishing your organizational policies, procedures are the natural next step.

Policies set some parameters for decision-making but leave room for flexibility. They show the “why” behind an action.

Procedures, on the other hand, explain the “how.” They provide step-by-step instructions for specific routine tasks. They may even include a checklist or process steps to follow. But at the very least, your procedures should outline the following information:

Who is responsible for each task
What steps need to be taken
Who the responsible party reports to

Let’s look at an example, requesting vacation time, to better understand the difference between policy and procedure. The vacation policy determines how much PTO an employee is eligible to take. The procedure lists the steps involved to get PTO approval, or what factors determine who gets priority days off.

Establishing procedures ensures that employees know what to do and keeps your organization running smoothly, even when key employees are out of the office. What makes a good procedure?

Clear, concise, and simple language
Addresses how to implement policies
Takes user insight into account
Providing options when feasible, not unnecessarily restrictive

What is a process?

Processes explain how to achieve a desired outcome, whether that be a product or service. Processes roll up under your organization’s policies and explain how something works at a high level.

Learn more about the difference between policies, processes, and procedures in our buyer's guide to the top policy management solutions.

What is a guideline?

Most organizations have both guidelines and policies in place. Many use these terms interchangeably, but they're quite different.

Guidelines are general recommendations. They're not mandatory or required. Whereas policies are more formal documents, and following them is mandatory.

Why policies and procedures matter to your organization

Together, policies and procedures guide your organization and reduce risk of liability. They promote consistency across the organization, both for employees and for customers.

Consistency builds a healthy reputation for your organization over time, especially in regard to employee touchpoints with customers. Another term for this is branding. Consistency builds and protects your brand.

Policies and procedures promote consistency across your organization, which builds and protects your brand over time.

But policies can only positively impact your organization if they're followed. The responsibility is twofold: on leadership to communicate policies effectively and on employees to follow them.

Throughout this article, we have discussed the difference between policy and procedure, why they are a necessity for your organization, and how the right software can help. Now let’s talk about the importance of policy management and how you can find the right policy management software for your organization.

Reviews and updates

Policies and procedures should grow and change with your organization, adapting to its needs and industry standards. According to the experts, you need to review and update policies at least once a year. Some policies may need to be revised on a bi-annual or quarterly basis.

Updating policies and procedures should be a collaborative process. Administrators need to work with leaders, employees from different levels of the organization, and representatives from groups who will be influenced by the policies. Collaborating with all these people, users especially, makes the policy more precise and increases adoption by employees.

The collaboration process doesn’t have to be difficult. PowerDMS’s policy and procedure management tools let you create automated approval workflows to collaborate on new policy drafts. That way, you can track changes, control who can edit/view the draft, and see the complete history of every document.

Once you’re ready to publish an updated policy, PowerDMS automatically archives the old version, avoiding the confusion of multiple, conflicting versions of policies and procedures.

Accessibility

Your employees should be able to access policies and procedures at any time. In critical, high-pressure situations, flipping through a physical policy manual isn’t practical or time-efficient.

PowerDMS provides organizations with a secure, centralized location online for policies and procedures. Employees can access policies at any time, from any mobile device, by pulling up the relevant document with a simple keyword search.

Employee Accountability

Unfortunately, making policies and procedures available doesn’t guarantee that employees will read them. New employees should be trained and tested on policies and procedures during orientation, but even long-time employees will need reminders.

When policy updates are distributed, you should verify that all employees have signed off on it. This protects your organization and your employees from incidents of noncompliance.

Fortunately, PowerDMS lets you distribute policies and collect electronic E-signatures with a couple of clicks. You can even assign quizzes to test comprehension and retention.

What is considered a separate structure?

The general rule of thumb is that if you have structures on your property that do not share a common roof line with your main dwelling, then the item falls to separate structures.

Which of the following would you find in the conditions section of an insurance policy?

Common conditions in a policy include the requirement to file a proof of loss with the company, to protect property after a loss, and to cooperate during the company's investigation or defense of a liability lawsuit.

Which of the following is covered under a dwelling policy?

Your policy's dwelling insurance, which is also called Coverage A, is designed to cover the structure of your home, including your roof, the exterior and interior walls, and permanently attached structures like decks.

What is covered under Coverage B?

Coverage B, also known as other structures insurance coverage, is the part of your homeowners policy that protects structures on your property not physically connected to your home, such as a detached garage, storage shed, or gazebo.