fbpx

Policy Wordings

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
Tenant Package – Student Or Retirement Home (Standard Form) T_TPC1 Farm, Residential
Tenant Package (Plus Form) T_TPB1 Farm, Residential
Tenant Package (Standard Form) T_TPA1 Farm, Residential
Non-Owned Livestock Liability T_LS09 Farm, Liability
Extended To Cover Additional Insured(s): For Hydro T_LA21 Farm, Liability
Additional Insured Endorsement T_CADI Farm, Liability
Business and Personal Liability T_BPGL Farm, Liability
Private Residence Under Construction – Standard Form PRSU Farm, Residential reno / Construction
Private Residence Under Renovation PRSR Farm, Residential reno / Construction
Private Residence Under Renovation PRPR Farm, Residential reno / Construction
Limited Pollution Liability Coverage Endorsement Limited_Pollution_Liability Farm, Pollution
Residential Homeowners Farm Plus Form Package RPA1_Farm Farm, Homeowners
Crop T_GRE4 Farm, Produce
Semen In Tank T_FSE2 Farm, Produce
Ginseng Stock In Storage (Minimum 2 Months Premium) T_FGI1 Farm, Produce
Licensed Grain-Additional Agreements Specified Limit For #7- #25 GRAIN Farm, Produce
Livestock – Swine & Poultry – Broad Named T_FLI7 Farm, Livestock
Livestock Mortality T_0534 Farm, Livestock
Emergency Veterinarian Expense Endorsement EMVET Farm, Livestock
Property of Every Description Including Poultry_Farm_Insurance_Form Farm, Package
Property of Every Description Including Dairy_Farm_Insurance_Form Farm, Package
Property of Every Description Including CashCrop Farm, Package
Personal Watercraft as Described T_MPWC Farm, Watercraft
Sailboat as Described T_MBT2 Farm, Watercraft
Watercraft, Motor, Trailer & Equipment as Described T_MBT1 Farm, Watercraft
Watercraft Trailer C_MBT6 Farm, Watercraft
Guaranteed Rebuilding Cost Endorsement T_GRC1 Farm, Building
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
Semen and/or Embryo and/or Tank Coverage – Broad Form T_FSE1 Farm, Building
Functional Rebuilding Cost T_FRBC Farm, Building
Limited Debris Removal T_FDRL Farm, Building
Farm Building – Broad Form with Replacement Cost T_FBBR Farm, Building
Farm Building – Broad Form T_FBBN Farm, Building
Greenhouse Building, Equipment, Stock & Crop (Broad Form) T_CGR1 Farm, Building
Additional Rebuilding Cost Endorsement T_ARC1 Farm, Building
Outbuilding Builders Risk Form – Broad Form OUTBRBF Farm, Builders Risk
Equipment Breakdown Rider (Section V) T_FEEC Farm, Equipment
Farm Rental Income T_FRI1 Farm, Earnings Profits Income
Farm Extra Expense Form T_FEX1 Farm, Earnings Profits Income
Farm Contingent Earnings T_FCE1 Farm, Earnings Profits Income
Equipment Breakdown Dairy and Poultry Equipment_Breakdown_Dairy_Poultry Farm, Equipment
Cyber Incident Exclusion Endorsement Cyber_Exclusion Farm, Cyber
Musical Instruments – Semi-Professional portable Farm, Farm Floater
Water Protection Endorsement – Policy Limits WATP_Policy Farm, Farm Floater
Water Protection Endorsement WATP Farm, Farm Floater
Vacancy Permit T_VAC1 Farm, Farm Floater
Sewer, Septic Tank, Drain Or Sump Backup Coverage T_SEWS Farm, Farm Floater
Restriction of Coverage – Roof Endorsement #1 T_ROF2 Farm, Farm Floater
Nursing Or Retirement Home Resident Endorsement (This Limit Is In Addition To Any Limit Included In the Policy Wordings) T_NRH1 Farm, Farm Floater
Satellite, TVs and Antennae T_MTV2 Farm, Farm Floater
Tools – Personal Use – Small Hand & Power Tools) T_MTF3 Farm, Farm Floater
Tools – Business Use T_MTF1 Farm, Farm Floater
Sports Equipment (Excluding Bicycles) T_MSP1 Farm, Farm Floater
Radio Equipment T_MRA1 Farm, Farm Floater
Portable Electronic Devices (Including Cell Phones) T_MPH1 Farm, Farm Floater
Motorized Equipment T_MMV1 Farm, Farm Floater
Musical Instruments – Semi-Professional T_MMU2 Farm, Farm Floater
Musical Instruments – Personal Use T_MMU1 Farm, Farm Floater
Jewellery Kept In Safety Deposit Box T_MJE2 Farm, Farm Floater
Jewellery T_MJE1 Farm, Farm Floater
Hearing Aids T_MHA1 Farm, Farm Floater
Golf Carts T_MGC1 Farm, Farm Floater
Furs T_MFU1 Farm, Farm Floater
Firearms and Related Equipment T_MFI1 Farm, Farm Floater
Eye Glasses T_MEG1 Farm, Farm Floater
E-Bike T_MEB1 Farm, Farm Floater
Silverware T_MCO1 Farm, Farm Floater
Contents In Storage (Named Perils) At An Approved Facility T_MCNP_APPROVED Farm, Farm Floater
Contents In Storage (Named Perils) T_MCNP Farm, Farm Floater
Contact Lenses T_MCL1 Farm, Farm Floater
Contents In Storage (Named Perils Including Theft) At An Approved Facility T_MCIS_APPROVED Farm, Farm Floater
Contents In Storage (Named Perils Including Theft) T_MCIS Farm, Farm Floater
Computers – Portable T_MCE2 Farm, Farm Floater
Cameras – Semi-Professional T_MCA2 Farm, Farm Floater
Cameras – Personal Use T_MCA1 Farm, Farm Floater
Bicycles T_MBI1 Farm, Farm Floater
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
Farm Produce as Listed T_FPR1 Commercial, Livestock Produce
Sewer, Septic Tank, Floor Drain or Sump Backup Coverage T_CSEW Commercial, Sewer Water
Sewer, Sump Septic Tank, Drain Coverage Endorsement CPSEW Commercial, Sewer Water
Not-For-Profit Directors’ and Officers’ Liability Insurance Rider T_D_O1 Commercial, Liability
Veterinarians Professional Liability Endorsement T_CVPL Commercial, Liability
SEF 96 Contractual Liability Endorsement T_CNOE Commercial, Liability
Legal Liability For Damage To Hired Automobiles – Sef #94 T_CNOD Commercial, Liability
OEF 98B Reduction of Coverage for Lessees or Drivers of Leased Vehicles T_CNOC Commercial, Liability
Excluding Long-Term Leased Vehicle Endorsement – Sef #99 T_CNOB Commercial, Liability
Non-Owned Automobile – Spf #6 T_CNOA Commercial, Liability
Morticians Professional Liability T_CMPL Commercial, Liability
Host Liquor Liability Exclusion T_CHLL Commercial, Liability
Commercial General Liability Coverage Form T_CGLU Commercial, Liability
Garage Liability Extension T_CGAR Commercial, Liability
Employers’ Liability Coverage Extension T_CEXB Commercial, Liability
Exclusion: Fungi & Spores & Controlled Drugs & Substances T_CEXA Commercial, Liability
Athletic Sports Participant Exclusion Endorsement T_CEX5 Commercial, Liability
Exclusion: Professional Liability – Malpractice & Errors & Omissions T_CEX2 Commercial, Liability
Limitation of Liability To Designated Premises T_CDPR Commercial, Liability
Contractual Liability Limitation Endorsement T_CCLL Commercial, Liability
Church Counseling Liability Extension Endorsement T_CCCL Commercial, Liability
Salon or Barber Shop Liability Extension Endorsement T_CBPS Commercial, Liability
Abuse Limitation Endorsement T_CALE Commercial, Liability
War and Civil War Exclusion Clause Endorsement War Commercial, Floater
Statutory Conditions & Additions T_STAT Commercial, Floater
Restriction of Coverage – Roof Endorsement #1 T_ROF2 Commercial, Floater
Additional Agreements – Garage Automobile – Amount of Insurance T_GAUT Commercial, Floater
Solar Energy Equipment Coverage T_FSOL Commercial, Floater
Warehouse Operator Coverage Form T_CWOC Commercial, Floater
Transportation Form T_CTRA Commercial, Floater
Stated Amount-Waiver of Co-Insurance Endorsement T_CSTA Commercial, Floater
Exterior Sign Endorsement T_CSGN Commercial, Floater
Replacement Cost – Basis of Settlement T_CRC2 Commercial, Floater
Contractors Additional Agreements Option 3 T_COA3 Commercial, Floater
Contractors Additional Agreements Option 2 T_COA2 Commercial, Floater
Contractors Additional Agreements Option 1 T_COA1 Commercial, Floater
Installation Coverage Form T_CIF2 Commercial, Floater
Total Pollution Exclusion Endorsement T_CGEP Commercial, Floater
Additional Agreements – Commercial Package T_CEPC Commercial, Floater
Exterior Glass Coverage T_CEG1 Commercial, Floater
Consequential Damage T_CCD1 Commercial, Floater
Antique Stock, Second Hand Goods Clause T_CASC Commercial, Floater
Additional Agreements – Vintage T_CAAV Commercial, Floater
B&B Additional Agreements T_CAAB Commercial, Floater
Additional Agreements (7-33) T_CAA1 Commercial, Floater
Commercial Package – Additional Agreements #4 – 20 T_CAA0 Commercial, Floater
Commercial Additional Agreements Option 3 T_AAC3 Commercial, Floater
Commercial Additional Agreements Option 2 T_AAC2 Commercial, Floater
Commercial Additional Agreements Option 1 T_AAC1 Commercial, Floater
Communicable Disease Exclusion Endorsement Communicable Commercial, Floater
Additional Agreements (7-33) CRRA Commercial, Floater
Commercial Additional Agreements – Option 3 CPA3 Commercial, Floater
Commercial Additional Agreements – Option 2 CPA2 Commercial, Floater
Commercial Additional Agreements – Option 1 CPA1 Commercial, Floater
Contractors Additional Agreements – Option 3 CCPA3 Commercial, Floater
Contractors Additional Agreements – Option 2 CCPA2 Commercial, Floater
Contractors Additional Agreements – Option 1 CCPA1 Commercial, Floater
Flood T_CFLO Commercial, Earthquake Flood
Equipment Breakdown T_CEBD Commercial, Equipment Breakdown
Earthquake – the Deductible Is as Shown Or 3% of Property Limit, Whichever Is Higher T_CEAR Commercial, Earthquake Flood
Gross Rental Income Form T_CRV1 Commercial, Earnings Profits Income
Extended Loss of Income – Actual Loss Sustained T_CLAS Commercial, Earnings Profits Income
Gross Rental Income Form T_CGRF Commercial, Earnings Profits Income
Loss of Income – Earnings – No Co-Insurance Coverage T_CELI Commercial, Earnings Profits Income
Extended Loss of Income Coverage T_CEL2 Commercial, Earnings Profits Income
Extra Expense T_CEEX Commercial, Earnings Profits Income
Crime – Money & Securities – Robbery Coverage Form – Inside and Outside T_CCIM Commercial, Earnings Profits Income
Gross Rental Income Form CRRL Commercial, Earnings Profits Income
Loss of Income – Extended Loss of Income CRLI Commercial, Earnings Profits Income
Pollution Liability Coverage for Land Exterminators CPLL Commercial, Earnings Profits Income
Extended Loss of Income Coverage CPLI Commercial, Earnings Profits Income
Money and Securities Dishonesty, Disappearance & Destruction (3D) Coverage CMSD Commercial, Earnings Profits Income
Loss of Income- Earnings (No Coinsurance) CCLI Commercial, Earnings Profits Income
Cyber Suite Package Cyber_Suite_Package Commercial, Cyber
Cyber Incident Exclusion Endorsement Cyber_Exclusion Commercial, Cyber
Crime – Money & Securities – Robbery Cover – Inside & Outside T_CCM3 Commercial, Crime
Crime – Comprehensive Dishonesty, Disappearance & Destruction Rider T_CCDD Commercial, Crime
Crime – Money & Securities – Robbery Coverage – Inside and Outside CPIO Commercial, Crime
Commercial Package Stock T_POPS Commercial, Contents Equipment Stock
Commercial Package Equipment T_POPE Commercial, Contents Equipment Stock
Commercial Package Property of Every Description T_POPD Commercial, Contents Equipment Stock
Commercial Package Contents T_POPC Commercial, Contents Equipment Stock
Commercial Equipment Broad Form Incl. Tenants Improvements T_POET Commercial, Contents Equipment Stock
Commercial Equipment Broad Form T_POEB Commercial, Contents Equipment Stock
Commercial Stock Broad Form T_POCS Commercial, Contents Equipment Stock
Commercial Contents of Every Description T_POCE Commercial, Contents Equipment Stock
Commercial Property of Every Description T_POCD Commercial, Contents Equipment Stock
Commercial Stock (Named Perils) T_CSNP Commercial, Contents Equipment Stock
Commercial Stock (Broad Form) T_CSBF Commercial, Contents Equipment Stock
Office Equipment Endorsement T_COE1 Commercial, Contents Equipment Stock
Commercial Equipment (Named Perils) T_CENP Commercial, Contents Equipment Stock
Electronic Equipment Coverage T_CEE1 Commercial, Contents Equipment Stock
Contractor’s Tools & Equipment T_CCTE Commercial, Contents Equipment Stock
Residential Rental Package – Stock CRRS Commercial, Contents Equipment Stock
Residential Rental Package – Equipment CRRE Commercial, Contents Equipment Stock
Retail Package Stock CRPS Commercial, Contents Equipment Stock
Retail Package Equipment CRPE Commercial, Contents Equipment Stock
Office Package Stock COFS Commercial, Contents Equipment Stock
Office Package Equipment COFE Commercial, Contents Equipment Stock
Contractors Tool & Equipment Floater CCTO Commercial, Contents Equipment Stock
Contractor’s Package Stock CCPS Commercial, Contents Equipment Stock
Contractor’s Package Equipment / Contents CCPE Commercial, Contents Equipment Stock
Contractor’s Package Contents CCPC Commercial, Contents Equipment Stock
Commercial Package Building T_POPB Commercial, Building
Building T_POBD Commercial, Building
Schedule of Warranties: Subject To Warranties #: T_CBRW Commercial, Building
Commercial Building (Named Perils) T_CBNP Commercial, Building
Commercial Building (Broad Form) T_CBBF Commercial, Building
Residential Rental Package CRRB Commercial, Building
Retail Package Building CRPB Commercial, Building
Office Package Building COFB Commercial, Building
Contractor’s Package Building CCPB Commercial, Building
Antiques T_MANT Farm, Farm Floater
Life Lease Extension Endorsement T_LIFE Farm, Farm Floater
Warehouse Operators Coverage Form T_CWOC Farm, Farm Floater
Office Equipment Endorsement T_COE1 Farm, Farm Floater
Short Term Rental of Residential Premises Extension Endorsement ($2,500 Deductible For Theft Including Damage Caused By Tenant Will Apply) STRE Farm, Farm Floater
Land Lease Condominium Corporation Extension Endorsement LAND Farm, Farm Floater
Farm Insurance Conditions and Additions FarmInsuranceConditions Farm, Farm Floater
Flood FLOOD Farm, Farm Floater
Agribusiness Farm / Commercial Additional Agreements of the Insurer FCAA Farm, Farm Floater
Communicable Disease Exclusion Endorsement Communicable Farm, Farm Floater
Postage Stamps C_MST2 Farm, Farm Floater
Coins C_MST1 Farm, Farm Floater
Medical Equipment C_MME1 Farm, Farm Floater
Computers – Desktop C_MCE1 Farm, Farm Floater
Lawn Equipment C_LAWN Farm, Farm Floater
Cannabis Coverage Endorsement CCEN Farm, Farm Floater
By-Law Coverage BYLAW Farm, Farm Floater
Agribusiness Building, Contents & Produce Form ABCP Farm, Farm Floater
Water Protection Endorsement – Policy Limits WATP_Policy Residential, Floater
Water Protection Endorsement WATP Residential, Floater
Vacant Land Condominium Corporation Extension T_VACL Residential, Floater
The Insurer acknowledges Vacancy of a Building. The Insured is advised to read the policy contract since certain causes of loss (perils) may not apply while the building is vacant. T_VAC1 Residential, Floater
Sewer, Septic Tank, Drain Or Sump Backup Coverage T_SEWS Residential, Floater
Restriction of Coverage – Roof Endorsement #1 T_ROF2 Residential, Floater
Nursing or Retirement Home Resident Endorsement (This Limit Is In Addition To Any Limit Included In the Policy Wordings) T_NRH1 Residential, Floater
Satellite, TVs and Antennae T_MTV2 Residential, Floater
Tools – Personal Use T_MTF3 Residential, Floater
Tools – Business Use T_MTF1 Residential, Floater
Tack Equipment T_MTA1 Residential, Floater
Sports Equipment (Excluding Bicycles) T_MSP1 Residential, Floater
Radio Equipment T_MRA1 Residential, Floater
Personal Watercraft as Described T_MPWC Residential, Floater
Portable Electronic Devices (Including Cell Phones) T_MPH1 Residential, Floater
Motorized Equipment T_MMV1 Residential, Floater
Musical Instruments – Semi-Professional T_MMU2 Residential, Floater
Musical Instruments Personal Use T_MMU1 Residential, Floater
Jewellery In Safety Deposit Box T_MJE2 Residential, Floater
Jewellery T_MJE1 Residential, Floater
Hearing Aids T_MHA1 Residential, Floater
Golf Carts T_MGC1 Residential, Floater
Furs T_MFU1 Residential, Floater
Firearms and Related Equipment T_MFI1 Residential, Floater
Eye Glasses T_MEG1 Residential, Floater
E-Bikes T_MEB1 Residential, Floater
Silverware T_MCO1 Residential, Floater
Contents In Storage (Named Perils) At An Approved Facility T_MCNP_APPROVED Residential, Floater
Contents In Storage (Named Perils) T_MCNP Residential, Floater
Contact Lenses T_MCL1 Residential, Floater
Contents In Storage (Named Perils Including Theft) At An Approved Facility T_MCIS_APROVED Residential, Floater
Contents In Storage (Named Perils Including Theft) T_MCIS Residential, Floater
Computers – Portable T_MCE2 Residential, Floater
Cameras – Semi-Professional T_MCA2 Residential, Floater
Cameras – Personal Use T_MCA1 Residential, Floater
Bicycles T_MBI1 Residential, Floater
Antiques T_MANT Residential, Floater
Animals T_MANI Residential, Floater
Life Lease Extension Endorsement T_LIFE Residential, Floater
Guaranteed Rebuilding Cost Endorsement T_GRC1 Residential, Floater
Functional Rebuilding Cost T_FRBC Residential, Floater
Antique Tractor Coverage Endorsement T_ANTQ Residential, Floater
Short Term Rental of Residential Premises Extension Endorsement ($2,500 Deductible For Theft Including Damage Caused By Tenant Will Apply) STRE Residential, Floater
Land Lease Condominium Corporation Extension Endorsement LAND Residential, Floater
Postage Stamps C_MST2 Residential, Floater
Coins C_MST1 Residential, Floater
Medical Equipment C_MME1 Residential, Floater
Computers – Desktop C_MCE1 Residential, Floater
Lawn Equipment C_LAWN Residential, Floater
Cannabis Coverage Endorsement CCEN Residential, Floater
Watercraft, Motor, Trailer & Equipment as Described T_MBT1 Residential, Watercraft
Boat Owner – Sailboat as Described T_BTSB Residential, Watercraft
Boat Owner – Powerboat as Described T_BOAT Residential, Watercraft
Watercraft Trailer C_MBT6 Residential, Watercraft
Extended To Cover Additional Insured(s): For Hydro T_LA21 Residential, Liability
Private Residence Under Construction – Standard Form PRSU Residential, Reno/Constructions
Private Residence Under Renovation – Standard Form PRSR Residential, Reno/Constructions
Private Residence Under Construction – Plus Form PRPU Residential, Reno/Constructions
Tenant Package – Student Or Retirement Home (Standard Form) T_TPC1 Residential, Homeowners
Tenant Package (Plus Form) T_TPB1 Residential, Homeowners
Tenant Package (Standard Form) T_TPA1 Residential, Homeowners
Rented Condominium Package T_KRCA Residential, Homeowners
Limited Debris Removal T_FDRL Residential, Building
Barn Broad Form T_FBBR Residential, Building
Home Cyber Protection Home_Cyber_Protection Residential, Cyber
Outbuilding Builders Risk Form – Broad Form OUTBRBF Residential, Builders Risk

CTM Logo - Links to Home Page