A quick definition of manuscript policy:

Manuscript policy is a type of insurance policy that has unique terms and conditions that are negotiated between the insurer and the insured. It is a contract that provides coverage against loss resulting from accidental bodily injuries, property damage, or other risks. Insurance policies are documents that detail the terms of the contract between the insurer and the insured. There are different types of insurance policies, such as accident policy, broad-form policy, claims-made policy, and many more. Insurance rating is the process by which an insurer arrives at a policy premium for a particular risk. Insurance premium is the amount of money paid by the insured to the insurer for coverage. Insurance pool is a group of several insurers that combine and share premiums and losses to spread the risk. Insurance Services Office is a nonprofit organization that provides analytical and decision-support services and tools to the insurance industry.