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Refer to your policy declaration page for the coverages you have purchased from us. Your agent or broker is your best adviser.
| Description of Coverage | Coverage Code | Coverage Type | Current Wording | Previous Wordings |
|---|---|---|---|---|
| Residential Homeowners Package (Standard Form) | RHSA | Farm, Residential, Homeowners |
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| Residential Homeowners Package (Broad Form) | RHBA | Farm, Residential, Homeowners |
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| Residential Homeowners Package (Plus Form) | RHPA | Farm, Residential, Homeowners |
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| Combined Limit Endorsement | T_CLE1 | Farm, Residential, Farm Floater, Floater |
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| Condominium Package (All Perils Coverage) | T_KCO1 | Residential, Homeowners |
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| Outbuilding Builders Risk Form – Named Perils | OUTBRNP | Farm, Residential, Builders Risk |
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| Power Fluctuation | T_FPFC | Farm, Farm Floater |
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| Farm Self Propelled Equipment Broad Form as Described | T_FPEB | Farm, Equipment |
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| Pollution Damage – Insured Premises | T_FPD1 | Farm, Farm Floater |
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| Farm Equipment: Limited Waiver of Depreciation | T_FME2 | Farm, Equipment |
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| Farm Machinery and Equipment Broad Form as Described | T_FMEB | Farm, Equipment |
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| Limitation of Liability to Designated Premises | T_LLDP | Farm, Liability |
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| Glass Breakage | SDG2 | Residential, Floater |
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| Livestock – Limited Named (ACV) | T_FLI2 | Farm, Livestock |
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| Livestock – Standard Named (ACV) | T_FLI1 | Farm, Livestock |
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| Farmer’s Accident (Accidental Death) | T_AAAD | Farm, Farmers Accident |
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| T.V. Tower, Antenna or Aerial as Described | T_MTV1 | Farm, Farm Floater |
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| Tool Floater (Personal Use) | T_MTF4 | Farm, Residential, Farm Floater, Floater |
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| Tool Floater (Business use) | T_MTF2 | Farm, Residential, Farm Floater, Floater |
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| Personal Property List | T_MRC1 | Farm, Residential, Farm Floater, Floater |
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| Residential Fine Arts Endorsement | T_MFAE T_MFAI | Farm, Residential, Farm Floater, Floater |
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| Seed Errors & Omissions – Claims Made Basis | T_SEO1 | Farm, Liability |
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| H6 – Operator’s Pollution Liability Endorsement | T_L1H6 | Farm, Liability |
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| Milk Contamination Coverage | T_FMC1 | Farm, Farm Floater |
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| Home Cyber Protection Coverage Endorsement | Home_Cyber_Protection | Residential, Farm, Cyber | ||
| Limited Pollution Liability Insurance Coverage | T_CLPL | Commercial, Liability |
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| Welding, Cutting and Hot Works Warranty | T_CGWW | Commercial, Floater |
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| Hoist Collision Extension Endorsement | T_CGHC | Commercial, Liability |
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| Exclusion: Products & Completed Operations Hazard | T_CEX1 | Commercial, Liability |
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| Druggist Professional Liability Extension | T_CDPL | Commercial, Liability |
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| Alarm System Warranty Endorsement | T_CASW | Farm, Commercial, Building |
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| Builder’s Risk Broad Form | T_CBRB | Commercial, Building |
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| Beauty Parlour / Barbershop Professional Liability Extension | T_CBPS | Commercial, Farm, Liability |
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| Business Interruption – Profits Form | T_CBIP | Commercial, Earnings Profits Income |
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| Abuse Exclusion Endorsement | T_CAEE | Commercial, Liability |
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| Transportation Floater | T_CTFB | Commercial, Floater |
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| Tenant Damage Exclusion Endorsement | T_CTRE | Commercial, Building |
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| Livestock – Broad Named (Actual Cash Value) | T_FLI3 | Commercial, Livestock Produce |
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| Anti-Stacking Endorsement | ANTI-STACKING | Commercial, Farm, Liability |
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| Crime – Money & Securities Broad Form | CRMS | Commercial, Earnings Profits Income |
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| Product Recall Expense | CGPRE | Commercial, Earnings Profits Income |
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| Tenant Package – Student Or Retirement Home (Standard Form) | T_TPC1 | Farm, Residential, Homeowners |
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| Tenant Package (Plus Form) | T_TPB1 | Farm, Residential, Homeowners |
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| Tenant Package (Standard Form) | T_TPA1 | Farm, Residential, Homeowners |
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| Non-Owned Livestock Liability | T_LS09 | Farm, Liability |
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| Extended To Cover Additional Insured(s): For Hydro | T_LA21 | Farm, Residential, Liability |
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| Additional Insured Endorsement | T_CADI | Farm, Liability |
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| Business and Personal Liability | T_BPGL | Commercial, Farm, Residential, Liability |
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| Private Residence Under Construction – Standard Form | PRSU | Farm, Residential, Reno/Constructions, Residential reno / Construction |
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| Private Residence Under Renovation | PRSR | Farm, Residential, Reno/Constructions, Residential reno / Construction | ||
| Limited Pollution Liability Coverage Endorsement | Limited_Pollution_Liability | Farm, Pollution |
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| Residential Homeowners Farm Plus Form Package | RPA1_Farm | Farm, Homeowners |
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| Crop | T_GRE4 | Farm, Produce |
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| Semen In Tank | T_FSE2 | Farm, Produce |
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| Ginseng Stock In Storage (Minimum 2 Months Premium) | T_FGI1 | Farm, Produce |
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| Licensed Grain-Additional Agreements Specified Limit For #7- #25 | GRAIN | Farm, Produce |
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| Livestock – Swine & Poultry – Broad Named | T_FLI7 | Farm, Livestock |
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| Livestock Mortality | T_0534 | Farm, Livestock |
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| Emergency Veterinarian Expense Endorsement | EMVET | Farm, Livestock |
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| Property of Every Description Including | Poultry_Farm_Insurance_Form | Farm, Package |
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| Property of Every Description Including | Dairy_Farm_Insurance_Form | Farm, Package |
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| Property of Every Description Including | CashCrop | Farm, Package |
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| Personal Watercraft as Described | T_MPWC | Farm, Residential, Watercraft |
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| Sailboat as Described | T_MBT2 | Farm, Residential, Watercraft |
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| Watercraft, Motor, Trailer & Equipment as Described | T_MBT1 | Farm, Residential, Watercraft |
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| Watercraft Trailer | C_MBT6 | Farm, Residential, Watercraft |
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| Guaranteed Rebuilding Cost Endorsement | T_GRC1 | Farm, Residential, Building |
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| Snow Load Peril – Is Included ON Standard Form Farm Buildings and Additions Built Within 30 Years of the Effective Date of the Policy By A Professional Contractor | T_FSLP | Farm, Building |
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| Semen and/or Embryo and/or Tank Coverage – Broad Form | T_FSE1 | Farm, Building |
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| Functional Rebuilding Cost | T_FRBC | Farm, Residential, Building |
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| Limited Debris Removal | T_FDRL | Farm, Residential, Building |
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| Farm Building – Broad Form with Replacement Cost | T_FBBR | Farm, Building |
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| Farm Building – Broad Form | T_FBBN | Farm, Building |
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| Greenhouse Building, Equipment, Stock & Crop (Broad Form) | T_CGR1 | Farm, Building |
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| Additional Rebuilding Cost Endorsement | T_ARC1 | Residential, Farm, Building |
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| Outbuilding Builders Risk Form – Broad Form | OUTBRBF | Farm, Residential, Builders Risk |
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| Equipment Breakdown Rider | T_FEEC | Farm, Equipment |
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| Farm Rental Income | T_FRI1 | Farm, Earnings Profits Income |
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| Farm Extra Expense Form | T_FEX1 | Farm, Earnings Profits Income |
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| Farm Contingent Earnings | T_FCE1 | Farm, Earnings Profits Income |
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| Equipment Breakdown Dairy and Poultry | Equipment_Breakdown_Dairy_Poultry | Farm, Equipment |
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| Cyber Incident Exclusion Endorsement | Cyber_Exclusion | Commercial, Farm, Contents Equipment Stock, Cyber |
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| Musical Instruments – Semi-Professional | portable | Farm, Residential, Farm Floater, Floater |
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| Water Protection Endorsement – Policy Limits | WATP_Policy | Farm, Residential, Farm Floater, Floater |
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| Water Protection Endorsement | WATP | Farm, Residential, Farm Floater, Floater |
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| Vacancy Permit | T_VAC1 | Farm, Residential, Farm Floater, Floater |
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| Sewer, Septic Tank, Drain Or Sump Backup Coverage | T_SEWS T_SEWW T_SEWP T_SEWA | Farm, Residential, Farm Floater, Floater | ||
| Restriction of Coverage – Roof Endorsement #1 | T_ROF2 | Farm, Residential, Farm Floater, Floater |
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| Nursing Or Retirement Home Resident Endorsement (This Limit Is In Addition To Any Limit Included In the Policy Wordings) | T_NRH1 | Farm, Residential, Farm Floater, Floater |
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| Satellite, TVs and Antennae | T_MTV2 | Farm, Residential, Farm Floater, Floater |
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| Tools – Personal Use – Small Hand & Power Tools) | T_MTF3 | Farm, Residential, Farm Floater, Floater |
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| Tools – Business Use | T_MTF1 | Farm, Residential, Farm Floater, Floater |
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| Sports Equipment (Excluding Bicycles) | T_MSP1 | Farm, Residential, Farm Floater, Floater |
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| Radio Equipment | T_MRA1 | Farm, Residential, Farm Floater, Floater |
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| Portable Electronic Devices (Including Cell Phones) | T_MPH1 | Farm, Residential, Farm Floater, Floater |
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| Motorized Equipment | T_MMV1 | Farm, Residential, Farm Floater, Floater |
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| Jewellery Kept In Safety Deposit Box | T_MJE2 | Farm, Residential, Farm Floater, Floater |
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| Jewellery | T_MJE1 | Farm, Residential, Farm Floater, Floater |
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| Hearing Aids | T_MHA1 | Farm, Residential, Farm Floater, Floater |
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| Golf Carts | T_MGC1 | Farm, Residential, Farm Floater, Floater |
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| Furs | T_MFU1 | Farm, Residential, Farm Floater, Floater |
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| Firearms and Related Equipment | T_MFI1 | Farm, Residential, Farm Floater, Floater |
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| Eye Glasses | T_MEG1 | Farm, Residential, Farm Floater, Floater |
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| E-Bike | T_MEB1 | Farm, Residential, Farm Floater, Floater |
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| Silverware | T_MCO1 | Farm, Residential, Farm Floater, Floater |
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| Contents In Storage (Named Perils) At An Approved Facility | T_MCNP_APPROVED | Farm, Residential, Farm Floater, Floater |
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| Contents In Storage (Named Perils) | T_MCNP | Farm, Residential, Farm Floater, Floater |
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| Contact Lenses | T_MCL1 | Farm, Residential, Farm Floater, Floater |
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| Contents In Storage (Named Perils Including Theft) At An Approved Facility | T_MCIS_APPROVED | Farm, Residential, Farm Floater, Floater |
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| Contents In Storage (Named Perils Including Theft) | T_MCIS | Farm, Residential, Farm Floater, Floater |
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| Computers – Portable | T_MCE2 | Farm, Residential, Farm Floater, Floater |
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| Cameras – Semi-Professional | T_MCA2 | Farm, Residential, Farm Floater, Floater |
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| Cameras – Personal Use | T_MCA1 | Farm, Residential, Farm Floater, Floater |
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| Bicycles | T_MBI1 | Farm, Residential, Farm Floater, Floater |
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| Installation Floater $10,000 at any one installation site $5,000 whine in due course of transit $50,000 in any one loss, disaster or casualty, either in case of partial or total loss, or salvage charges, or any other charges or expenses or all combined. | CCIN | Commercial |
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| Farm Produce as Listed | T_FPR1 | Commercial, Livestock Produce |
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| Not-For-Profit Directors’ and Officers’ Liability Insurance Rider | T_D_O1 | Commercial, Liability |
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| Veterinarians Professional Liability Endorsement | T_CVPL | Commercial, Liability |
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| SEF 96 Contractual Liability Endorsement | T_CNOE | Commercial, Liability |
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| Legal Liability For Damage To Hired Automobiles – Sef #94 | T_CNOD | Commercial, Liability |
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| OEF 98B Reduction of Coverage for Lessees or Drivers of Leased Vehicles | T_CNOC | Commercial, Liability |
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| Excluding Long-Term Leased Vehicle Endorsement – Sef #99 | T_CNOB | Commercial, Liability |
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| Non-Owned Automobile – Spf #6 | T_CNOA | Commercial, Liability |
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| Morticians Professional Liability | T_CMPL | Commercial, Liability |
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| Host Liquor Liability Exclusion | T_CHLL | Commercial, Liability |
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| Commercial General Liability Coverage Form | T_CGLU | Commercial, Liability |
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| Garage Liability Extension | T_CGAR | Commercial, Liability |
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| Employers’ Liability Coverage Extension | T_CEXB | Commercial, Liability |
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| Exclusion: Fungi & Spores & Controlled Drugs & Substances | T_CEXA | Commercial, Liability |
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| Athletic Sports Participant Exclusion Endorsement | T_CEX5 | Commercial, Liability |
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| Exclusion: Professional Liability – Malpractice & Errors & Omissions | T_CEX2 | Commercial, Liability |
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| Limitation of Liability To Designated Premises | T_CDPR | Commercial, Liability |
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| Contractual Liability Limitation Endorsement | T_CCLL | Commercial, Liability |
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| Church Counseling Liability Extension Endorsement | T_CCCL | Commercial, Liability |
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| Abuse Limitation Endorsement | T_CALE | Commercial, Liability |
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| War and Civil War Exclusion Clause Endorsement | War | Commercial, Farm, Farm Floater, Floater |
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| Statutory Conditions & Additions | T_STAT | Commercial, Floater |
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| Additional Agreements – Garage Automobile – Amount of Insurance | T_GAUT | Commercial, Floater |
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| Solar Energy Equipment Coverage | T_FSOL | Commercial, Farm, Residential, Farm Floater, Floater |
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| Warehouse Operator Coverage Form | T_CWOC | Commercial, Farm, Farm Floater, Floater |
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| Transportation Form | T_CTRA | Commercial, Floater |
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| Stated Amount-Waiver of Co-Insurance Endorsement | T_CSTA | Commercial, Floater |
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| Exterior Sign Endorsement | T_CSGN | Commercial, Floater |
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| Replacement Cost – Basis of Settlement | T_CRC2 | Commercial, Floater |
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| Contractors Additional Agreements Option 3 | T_COA3 | Commercial, Floater |
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| Contractors Additional Agreements Option 2 | T_COA2 | Commercial, Floater |
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| Contractors Additional Agreements Option 1 | T_COA1 | Commercial, Floater |
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| Installation Coverage Form | T_CIF2 | Commercial, Floater |
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| Total Pollution Exclusion Endorsement | T_CGEP | Commercial, Floater |
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| Additional Agreements – Commercial Package | T_CEPC | Commercial, Floater |
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| Exterior Glass Coverage | T_CEG1 | Commercial, Floater |
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| Consequential Damage | T_CCD1 | Commercial, Floater |
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| Antique Stock, Second Hand Goods Clause | T_CASC | Commercial, Floater |
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| Additional Agreements – Vintage | T_CAAV | Commercial, Floater |
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| B&B Additional Agreements | T_CAAB | Commercial, Floater |
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| Additional Agreements (7-33) | T_CAA1 | Commercial, Floater |
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| Commercial Package – Additional Agreements #4 – 20 | T_CAA0 | Commercial, Floater |
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| Commercial Additional Agreements Option 3 | T_AAC3 | Commercial, Floater |
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| Commercial Additional Agreements Option 2 | T_AAC2 | Commercial, Floater |
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| Commercial Additional Agreements Option 1 | T_AAC1 | Commercial, Floater |
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| Communicable Disease Exclusion Endorsement | Communicable | Commercial, Farm, Farm Floater, Floater |
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| Additional Agreements (7-33) | CRRA | Commercial, Floater |
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| Commercial Additional Agreements – Option 3 | CPA3 | Commercial, Floater |
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| Commercial Additional Agreements – Option 2 | CPA2 | Commercial, Floater |
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| Commercial Additional Agreements – Option 1 | CPA1 | Commercial, Floater |
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| Contractors Additional Agreements – Option 3 | CCPA3 | Commercial, Floater |
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| Contractors Additional Agreements – Option 2 | CCPA2 | Commercial, Floater |
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| Contractors Additional Agreements – Option 1 | CCPA1 | Commercial, Floater |
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| Flood | T_CFLO | Commercial, Earthquake Flood |
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| Equipment Breakdown | T_CEBD | Commercial, Equipment Breakdown |
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| Earthquake – the Deductible Is as Shown Or 3% of Property Limit, Whichever Is Higher | T_CEAR | Commercial, Earthquake Flood |
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| Gross Rental Income Form | T_CRV1 | Commercial, Earnings Profits Income |
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| Extended Loss of Income – Actual Loss Sustained | T_CLAS | Commercial, Earnings Profits Income |
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| Gross Rental Income Form | T_CGRF | Commercial, Earnings Profits Income |
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| Loss of Income – Earnings – No Co-Insurance Coverage | T_CELI | Commercial, Earnings Profits Income |
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| Extended Loss of Income Coverage | T_CEL2 | Commercial, Earnings Profits Income |
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| Extra Expense | T_CEEX | Commercial, Earnings Profits Income |
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| Crime – Money & Securities – Robbery Coverage Form – Inside and Outside | T_CCIM | Commercial, Earnings Profits Income |
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| Gross Rental Income Form | CRRL | Commercial, Earnings Profits Income |
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| Loss of Income – Extended Loss of Income | CRLI | Commercial, Earnings Profits Income |
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| Pollution Liability Coverage for Land Exterminators | CPLL | Commercial, Earnings Profits Income |
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| Extended Loss of Income Coverage | CPLI | Commercial, Earnings Profits Income |
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| Money and Securities Dishonesty, Disappearance & Destruction (3D) Coverage | CMSD | Commercial, Earnings Profits Income |
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| Loss of Income- Earnings (No Coinsurance) | CCLI | Commercial, Earnings Profits Income |
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| Cyber Suite Package | Cyber_Suite_Package | Commercial, Cyber |
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| Crime – Money & Securities – Robbery Cover – Inside & Outside | T_CCM3 | Commercial, Crime |
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| Crime – Comprehensive Dishonesty, Disappearance & Destruction Rider | T_CCDD | Commercial, Crime |
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| Crime – Money & Securities – Robbery Coverage – Inside and Outside | CPIO | Commercial, Crime |
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| Commercial Package Stock | T_POPS | Commercial, Contents Equipment Stock |
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| Commercial Package Equipment | T_POPE | Commercial, Contents Equipment Stock |
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| Commercial Package Property of Every Description | T_POPD | Commercial, Contents Equipment Stock |
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| Commercial Package Contents | T_POPC | Commercial, Contents Equipment Stock |
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| Commercial Equipment Broad Form Incl. Tenants Improvements | T_POET | Commercial, Contents Equipment Stock |
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| Commercial Equipment Broad Form | T_POEB | Commercial, Contents Equipment Stock |
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| Commercial Stock Broad Form | T_POCS | Commercial, Contents Equipment Stock |
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| Commercial Contents of Every Description | T_POCE | Commercial, Contents Equipment Stock |
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| Commercial Property of Every Description | T_POCD | Commercial, Contents Equipment Stock |
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| Commercial Stock (Named Perils) | T_CSNP | Commercial, Contents Equipment Stock |
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| Commercial Stock (Broad Form) | T_CSBF | Commercial, Contents Equipment Stock |
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| Office Equipment Endorsement | T_COE1 | Commercial, Farm, Contents Equipment Stock, Farm Floater |
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| Commercial Equipment (Named Perils) | T_CENP | Commercial, Contents Equipment Stock |
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| Electronic Equipment Coverage | T_CEE1 | Commercial, Contents Equipment Stock |
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| Contractor’s Tools & Equipment | T_CCTE | Commercial, Contents Equipment Stock |
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| Residential Rental Package – Stock | CRRS | Commercial, Contents Equipment Stock |
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| Residential Rental Package – Equipment | CRRE | Commercial, Contents Equipment Stock |
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| Retail Package Stock | CRPS | Commercial, Contents Equipment Stock |
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| Retail Package Equipment | CRPE | Commercial, Contents Equipment Stock |
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| Office Package Stock | COFS | Commercial, Contents Equipment Stock |
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| Office Package Equipment | COFE | Commercial, Contents Equipment Stock |
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| Contractors Tool & Equipment Floater | CCTO | Commercial, Contents Equipment Stock |
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| Contractor’s Package Stock | CCPS | Commercial, Contents Equipment Stock |
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| Contractor’s Package Equipment / Contents | CCPE | Commercial, Contents Equipment Stock |
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| Contractor’s Package Contents | CCPC | Commercial, Contents Equipment Stock |
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| Commercial Package Building | T_POPB | Commercial, Building |
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| Building | T_POBD | Commercial, Building |
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| Schedule of Warranties: Subject To Warranties #: | T_CBRW | Commercial, Building |
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| Commercial Building (Named Perils) | T_CBNP | Commercial, Building |
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| Commercial Building (Broad Form) | T_CBBF | Farm, Commercial, Building |
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| Residential Rental Package | CRRB | Commercial, Building |
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| Retail Package Building | CRPB | Commercial, Building |
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| Office Package Building | COFB | Commercial, Building |
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| Contractor’s Package Building | CCPB | Commercial, Building |
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| Antiques | T_MANT | Farm, Residential, Farm Floater, Floater |
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| Life Lease Extension Endorsement | T_LIFE | Farm, Residential, Farm Floater, Floater |
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| Short Term Rental of Residential Premises Extension Endorsement ($2,500 Deductible For Theft Including Damage Caused By Tenant Will Apply) | STRE | Farm, Residential, Farm Floater, Floater |
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| Land Lease Condominium Corporation Extension Endorsement | LAND | Farm, Residential, Farm Floater, Floater |
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| Farm Insurance Conditions and Additions | FarmInsuranceConditions | Farm, Farm Floater |
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| Flood | FLOOD | Farm, Farm Floater |
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| Agribusiness Farm / Commercial Additional Agreements of the Insurer | FCAA | Farm, Farm Floater |
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| Postage Stamps | C_MST2 | Farm, Residential, Farm Floater, Floater |
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| Coins | C_MST1 | Farm, Residential, Farm Floater, Floater |
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| Medical Equipment | C_MME1 | Farm, Residential, Farm Floater, Floater |
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| Computers – Desktop | C_MCE1 | Farm, Residential, Farm Floater, Floater |
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| Lawn Equipment | C_LAWN | Farm, Residential, Farm Floater, Floater |
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| Cannabis Coverage Endorsement | CCEN | Farm, Residential, Farm Floater, Floater |
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| By-Law Coverage | BYLAW T_BLC1 | Farm, Residential, Farm Floater, Floater |
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| Agribusiness Building, Contents & Produce Form | ABCP | Farm, Farm Floater |
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| Tack Equipment | T_MTA1 | Farm, Residential, Farm Floater, Floater |
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| Musical Instruments Personal Use | T_MMU1 | Farm, Residential, Farm Floater, Floater |
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| Animals | T_MANI | Residential, Floater |
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| Antique Tractor Coverage Endorsement | T_ANTQ | Farm, Residential, Farm Floater, Floater | ||
| Boat Owner – Sailboat as Described | T_BTSB | Residential, Watercraft |
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| Boat Owner – Powerboat as Described | T_BOAT | Residential, Watercraft |
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| Private Residence Under Renovation – Standard Form | PRSR | Farm, Residential, Reno/Constructions, Residential reno / Construction |
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| Private Residence Under Construction – Plus Form | PRPU | Farm, Residential, Reno/Constructions, Residential reno / Construction |
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| Rented Condominium Package | T_KRCA | Residential, Homeowners |
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| Barn Broad Form | T_FBBR | Farm, Residential, Building |
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Waterford Office
780 Old Highway 24
PO BOX 1030
Waterford, ON N0E 1Y0
(519) 443-7231 or (888) 302-6052
Komoka Office
22499 Jefferies Road
Building B – Unit 106
Komoka, ON N0L 1R0
(519) 264 2298 or (888) 302-6052
HOURS
Monday – Friday
8:30 AM – 4:30 PM
Caradoc Townsend Mutual Insurance © 2021 All Rights Reserved.