Which type of insurance form places more responsibility on the insured during a claim?

The named peril form places more responsibility on the insured during a claim because it specifically lists the risks or perils that are covered by the policy. This means that if a loss occurs due to a peril that is not expressly mentioned in the policy, the insured is not covered and cannot make a claim for that loss. This requires the policyholder to be more vigilant and knowledgeable about their coverage, as they must ensure that their risks are adequately covered within the bounds of what is explicitly stated in the insurance policy.

In contrast, the open peril or all risk forms cover any loss unless it is specifically excluded, thereby relieving the insured of the burden of proving that the loss was caused by a covered peril. A comprehensive form typically covers an extensive range of risks as well, offering broader protection and reducing the insured's responsibility during the claims process. Thus, the named peril form stands out for its restrictive nature, placing greater emphasis on what the policyholder must understand and manage regarding their coverage.