A provision in an insurance contract stating that the insurance coverage starts at noon, standard time, at the location of the insured’s property. Most property policies have now been changed so that the effective time is 12.01 a.m., thus the noon clause is not often encountered.
Insurance Encyclopedia
Noon clause (Property Insurance)
A clause stating that coverage begins at noon. This clause is not often found anymore, and most policies are effective as of 12:01 a.m.