What determines whether or not each relevant coverage is offered on a policy?

The determination of whether each relevant coverage is offered on a policy is based on Coverage Pattern Attributes. Coverage Pattern Attributes define how a specific coverage can be applied within the product model. They outline the conditions and rules under which various coverages are included or excluded from a policy, allowing for flexibility in tailoring coverage to meet the needs of different policyholders. This ensures that the appropriate coverages can be made available based on the parameters set within the insurance product.

While other options might have relevance in different contexts—such as how the schedule might inform coverage choices or how clauses could dictate inclusion or exclusion—they do not directly dictate the offering of coverage. Coverage Pattern Attributes specifically address the insurability and inclusion of coverages on a policy level, making them the key determinants in the decision-making process regarding coverage offerings.