What type of policy is written separately as a single coverage?

A monoline policy is specifically designed to provide coverage for a single type of insurance risk. This type of policy is distinct and separate from other types of coverage, meaning it focuses on one category of insurance, such as auto or homeowners insurance, rather than bundling multiple coverages together.

In contrast, multiline policies combine two or more lines of insurance coverage under one agreement, allowing for a more comprehensive approach to managing a variety of risks, which can often lead to bundled discounts but does not focus on individual coverage on its own. Similarly, combined policies also involve multiple coverages but are offered together rather than separately. A comprehensive policy generally indicates a broad scope of coverage, but it may not specifically refer to the singular focus that a monoline policy embodies.

Thus, the emphasis on a single type of coverage is the defining characteristic that makes the monoline policy the correct answer.