Which of the following refers to the obligation to comply with specified insurance terms for coverage to be valid?

The obligation to comply with specified insurance terms for coverage to be valid is referred to as a condition. In the context of an insurance policy, conditions are specific requirements that the insured must fulfill for the policy to remain in force or for a claim to be payable. These can include actions such as maintaining the property in a certain condition, paying premiums on time, or notifying the insurer of any changes that might affect coverage. If these conditions are not met, the insurer may have the right to deny coverage or void the policy.

The other options pertain to different aspects of insurance. A condition subsequent to policy refers to an event or action that, if it occurs or is not performed after the policy has been issued, can lead to the termination of coverage. The duty of care generally relates to the responsibility to avoid causing harm to others, which is more applicable in liability contexts rather than directly tied to insurance policy terms. An errors and omissions clause is aimed at protecting parties against claims of inadequate work or negligent actions, but it does not specifically address the obligations for maintaining coverage validity under an insurance policy.