What do the sections of an insurance contract which limit coverage refer to?

The sections of an insurance contract that limit coverage are referred to as exclusions. Exclusions are specific conditions or circumstances that are not covered by the insurance policy. These limitations are crucial because they clearly outline the boundaries of what the insurance will and will not pay for, helping to manage the insurer's risk and clarify the policyholder's expectations.

In an insurance context, exclusions can address a range of scenarios, such as pre-existing conditions in health insurance policies or certain types of accidents in accident insurance. By defining these exclusions, the insurer protects itself from claims that fall outside the agreed-upon coverage parameters, ensuring that the policy remains financially viable.

The other options do not accurately describe these limiting sections. Additions typically refer to modifications or enhancements to a contract, exceptions imply a workaround to a rule (not the same as exclusions), and documents are general paperwork associated with the policy rather than specific clauses defining limits. Hence, exclusions serve a specific and essential role in clarifying the limits of coverage within an insurance contract.