A more thorough explanation:

An insuring clause is a part of an insurance policy or bond that explains the risk that the insurance company is willing to take on or the extent of the coverage provided. It is also known as an insuring agreement.

For example, a car insurance policy may have an insuring clause that states the insurance company will cover damages to the insured's vehicle caused by a collision with another vehicle or object. Another example is a homeowner's insurance policy that may have an insuring clause that covers damage to the insured's home caused by a fire or natural disaster.

The insuring clause is important because it outlines the specific risks that the insurance company is willing to cover. It is essential to read and understand the insuring clause of an insurance policy to know what is covered and what is not.