Which document typically contains the terms, conditions, and premiums for an insurance policy?

The correct choice is the policy wording, as it is the comprehensive document that outlines the terms, conditions, and premiums of an insurance policy. This document serves as the legal contract between the insurer and the insured, detailing what is covered, any exclusions that apply, the responsibilities of both parties, and how claims will be managed. It ensures that both the insurer and the policyholder have a clear understanding of their rights and obligations under the policy.

In contrast, the policy schedule is typically a summary or document that provides key details about the insurance policy, such as the insured items, coverage limits, and effective dates but does not encompass the full terms and conditions. The term "pool" generally refers to a collective arrangement where multiple insurers share risk, but it is not a document relevant to individual policy terms. Occurrence wording, although related to aspects of policy language regarding coverage for incidents, does not represent the full scope of the contract as it pertains to specific types of coverage rather than the comprehensive details of the policy. Thus, understanding the role of the policy wording is crucial in grasping the full meaning and implications of the insurance contract.