Wordings

Wordings

Below you will find a list of our common wordings broken down by line of business. Please note that all of the wordings listed below are identified as common wordings and endorsements. While they are listed here, it does not mean that they are relevant or automatically inforce or applicable to your current policy. The wordings noted here are for reference of our Members. Should you have any about the application, understanding or use of these wordings, please contact your Advisor or Broker.

Wordings

Below you will find a list of our common wordings broken down by line of business. Please note that all of the wordings listed below are identified as common wordings and endorsements. While they are listed here, it does not mean that they are relevant or automatically inforce or applicable to your current policy. The wordings noted here are for reference of our Members. Should you have any about the application, understanding or use of these wordings, please contact your Advisor or Broker.

Auto

Coverage CodeTitleEffective Date*Link
OPCF 23ALienholder Protection01/01/2024
OPCF 49Agreement Not to Recover for Loss or Damage from an Automobile Collision (for Ontario Automobile Policy OAP 1)01/01/2024
OPCF 48Added Coverage to Offset Tort Deductibles​01/01/2024
OPCF 47Agreement not to Rely on SABS Priority of Payment Rules01/01/2024
OPCF 44RFamily Protection Coverage​01/01/2024
OPCF 43ARemoving Depreciation Deduction for Specified Lessee(s)01/01/2024
OPCF 43Removing Depreciation Deduction​01/01/2024
OPCF 40Fire Deductible​01/01/2024
OPCF 38Agreed Limit for Automobile Electronic Accessories and Equipment​01/01/2024
OPCF 29Additional Coverage For Named Person(s)​01/01/2024
OPCF 28AExcluded Driver​01/01/2024
OPCF 28Reducing Coverage for Named Persons​01/01/2024
OPCF 27BBusiness Operations – Liability for Damage to Non-Owned Automobile(s) in Your Care, Custody or Control​01/01/2024
OPCF 27Liability for Damage to Non-Owned Automobile(s) and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles​ (2)01/01/2024
OPCF 25AAlteration01/01/2024
OPCF 23BMortgage – Broad Form01/01/2024
OAP 1Ontario Automobile Policy01/01/2024
OPCF 21BBlanket Fleet Coverage for Ontario Licenced Automobiles01/01/2024
OPCF 21AMonthly Basis Reporting Fleet (Applicable to Ontario licensed automobiles)​​01/01/2024
OPCF 20Coverage for Transportation Replacement01/01/2024
OPCF 19AAgreed Value of Automobiles01/01/2024
OPCF 19Limiting the Amount Paid for Loss or Damage Coverages01/01/2024
OPCF 17Reinstatement of Coverage01/01/2024
OPCF 16Suspension of Coverage01/01/2024
OPCF 6FPublic Passenger Vehicles – Combined Limits01/01/2024
OPCF 6CPublic Passenger Vehicles01/01/2024
OPCF 6BSchool Bus01/01/2024
OPCF 5CPermission to Rent or Lease (unspecified lessees- short term leases only)​01/01/2024
OPCF 5Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s)​01/01/2024
OPCF 3Drive Government Automobiles01/01/2024
OPCF 2Providing Coverage When Named Persons Drive Other Automobiles or Rent or Lease Other Automobiles01/01/2024

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.

Auto

Coverage CodeTitleEffective Date*Link
OPCF 23ALienholder Protection01/01/2024
OPCF 49Agreement Not to Recover for Loss or Damage from an Automobile Collision (for Ontario Automobile Policy OAP 1)01/01/2024
OPCF 48Added Coverage to Offset Tort Deductibles​01/01/2024
OPCF 47Agreement not to Rely on SABS Priority of Payment Rules01/01/2024
OPCF 44RFamily Protection Coverage​01/01/2024
OPCF 43ARemoving Depreciation Deduction for Specified Lessee(s)01/01/2024
OPCF 43Removing Depreciation Deduction​01/01/2024
OPCF 40Fire Deductible​01/01/2024
OPCF 38Agreed Limit for Automobile Electronic Accessories and Equipment​01/01/2024
OPCF 29Additional Coverage For Named Person(s)​01/01/2024
OPCF 28AExcluded Driver​01/01/2024
OPCF 28Reducing Coverage for Named Persons​01/01/2024
OPCF 27BBusiness Operations – Liability for Damage to Non-Owned Automobile(s) in Your Care, Custody or Control​01/01/2024
OPCF 27Liability for Damage to Non-Owned Automobile(s) and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles​ (2)01/01/2024
OPCF 25AAlteration01/01/2024
OPCF 23BMortgage – Broad Form01/01/2024
OAP 1Ontario Automobile Policy01/01/2024
OPCF 21BBlanket Fleet Coverage for Ontario Licenced Automobiles01/01/2024
OPCF 21AMonthly Basis Reporting Fleet (Applicable to Ontario licensed automobiles)​​01/01/2024
OPCF 20Coverage for Transportation Replacement01/01/2024
OPCF 19AAgreed Value of Automobiles01/01/2024
OPCF 19Limiting the Amount Paid for Loss or Damage Coverages01/01/2024
OPCF 17Reinstatement of Coverage01/01/2024
OPCF 16Suspension of Coverage01/01/2024
OPCF 6FPublic Passenger Vehicles – Combined Limits01/01/2024
OPCF 6CPublic Passenger Vehicles01/01/2024
OPCF 6BSchool Bus01/01/2024
OPCF 5CPermission to Rent or Lease (unspecified lessees- short term leases only)​01/01/2024
OPCF 5Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s)​01/01/2024
OPCF 3Drive Government Automobiles01/01/2024
OPCF 2Providing Coverage When Named Persons Drive Other Automobiles or Rent or Lease Other Automobiles01/01/2024

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.

Commercial

Coverage CodeTitleEffective Date*Link
ELI-1005-0317GARAGE Hoist Collision Extension Endorsement01/03/2017
EO-0150-0517Warehouse Operator Coverage Form01/05/2017
ECM-1130-1217Transportation Form01/12/2017
EO-A013-0516Tenants Restriction Endorsement01/05/2016
CMF-0025-1218Sewer Septic Tank Floor Drain or Sump Backup Coverage -Commercial01/12/2018
AX-PP001Proprietor Partners Extension Endorsement01/01/2025
ECC-0035-0821Money and Securities Rider – Broad Form01/08/2021
ECC-0025-0521Money and Securities – Robbery Coverage – Inside and Outside01/05/2021
EO-0740-0517Miscellaneous Property Endorsement – Broad Form01/05/2017
EI-0600-0111Loss of Income – Earnings – No Coinsurance Coverage Endorsement01/01/2011
CMF-0020-1218Installation Coverage Form01/12/2018
CMF-0210-0715Additional Ag Contractors01/07/2015
CMF-0300-0317GARAGE Additional Agreements – Garage Automobile – Aggregate Limit01/03/2017
EO-1015-0915Flood Coverage Endorsement01/09/2015
EI-0690-0609Extended Loss of Income Coverage-Actual Loss Sustained01/06/2009
EO-0865-0117 Equipment Breakdown Coverage Endorsement-Commercial01/01/2017
ELI-0050-1210 Limitation of Liability01/12/2010
EO-0016-0419Earthquake Endorsement01/04/2019
ECC-0055-0609Comprehensive Dishonesty, Disappearance & Destruction Coverage Form01/06/2009
EO-0985-0125Data Compromise Coverage Endorsement-Response Expenses & Defence01/01/2025
ELI-0065-1210Additional Property Damage Exclusion01/12/2010
1018Employee Benefits Liability Extension Endorsement01/10/2018

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.

Commercial

Coverage CodeTitleEffective Date*Link
ELI-1005-0317GARAGE Hoist Collision Extension Endorsement01/03/2017
EO-0150-0517Warehouse Operator Coverage Form01/05/2017
ECM-1130-1217Transportation Form01/12/2017
EO-A013-0516Tenants Restriction Endorsement01/05/2016
CMF-0025-1218Sewer Septic Tank Floor Drain or Sump Backup Coverage -Commercial01/12/2018
AX-PP001Proprietor Partners Extension Endorsement01/01/2025
ECC-0035-0821Money and Securities Rider – Broad Form01/08/2021
ECC-0025-0521Money and Securities – Robbery Coverage – Inside and Outside01/05/2021
EO-0740-0517Miscellaneous Property Endorsement – Broad Form01/05/2017
EI-0600-0111Loss of Income – Earnings – No Coinsurance Coverage Endorsement01/01/2011
CMF-0020-1218Installation Coverage Form01/12/2018
CMF-0210-0715Additional Ag Contractors01/07/2015
CMF-0300-0317GARAGE Additional Agreements – Garage Automobile – Aggregate Limit01/03/2017
EO-1015-0915Flood Coverage Endorsement01/09/2015
EI-0690-0609Extended Loss of Income Coverage-Actual Loss Sustained01/06/2009
EO-0865-0117 Equipment Breakdown Coverage Endorsement-Commercial01/01/2017
ELI-0050-1210 Limitation of Liability01/12/2010
EO-0016-0419Earthquake Endorsement01/04/2019
ECC-0055-0609Comprehensive Dishonesty, Disappearance & Destruction Coverage Form01/06/2009
EO-0985-0125Data Compromise Coverage Endorsement-Response Expenses & Defence01/01/2025
ELI-0065-1210Additional Property Damage Exclusion01/12/2010
1018Employee Benefits Liability Extension Endorsement01/10/2018

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.

Farm

Coverage CodeTitleEffective Date*Link
PP-0600-0118Farm Policy Multi-Residential01/01/2018
EM-0650-1217Agribusiness Mobile Farm Machinery & Equipment Form01/12/2017
EO-0085-0519Farmers’ Accident Insurance01/05/2019
ELV-1110-1217Agribusiness Livestock Form01/12/2017
ELI-0965-0118Farm Liability Coverages – Coverage H01/01/2018
ELI-0005-1217Farmers Tenants Legal Liability01/12/2017

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.

Farm

Coverage CodeTitleEffective Date*Link
PP-0600-0118Farm Policy Multi-Residential01/01/2018
EM-0650-1217Agribusiness Mobile Farm Machinery & Equipment Form01/12/2017
EO-0085-0519Farmers’ Accident Insurance01/05/2019
ELV-1110-1217Agribusiness Livestock Form01/12/2017
ELI-0965-0118Farm Liability Coverages – Coverage H01/01/2018
ELI-0005-1217Farmers Tenants Legal Liability01/12/2017

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.

Residential

Coverage CodeTitleEffective Date*Link
EOB-0625-0424Private Residential Building Under Construction Endorsement- Named Perils01/04/2024
PP-1710-0125Residential Condo Unit Owners Named Perils Policy01/01/2025
PP-1705-0125Residential Condo Unit Owners Comprehensive Policy01/01/2025
PP-1704-0125Residential Homeowners Limited Named Perils Policy01/01/2025
PP-1703-0125Residential Homeowners Comprehensive Policy01/01/2025
PP-1702-0125Residential Homeowners Broad Policy01/01/2025
PP-1701-0125Residential Homeowners Named Perils Policy01/01/2025
PP-1055-0125Tenant Comprehensive Policy01/01/2025
PP-1050-0125Tenant Named Perils Policy01/01/2025
EOB-0635-0424Private Residence Under Renovation Endorsement-Named Perils01/04/2024
EOB-0630-0424Private Residence Under Renovation Endorsement-Comprehensive01/04/2024
ED-0040-0124Additional Rebuilding Cost Basis of Claim Payment01/01/2024
EOB-0620-0424Private Residential Building Under Construction Endorsement-Comprehensive01/04/2024
EO-1025-0124Water Backup Coverage Endorsement01/01/2024
EO-1020-0124Water Protection Endorsement01/01/2024
EO-0870-1024Identity Fraud Endorsement01/10/2024
EO-0835-0424Vacant Land or Leasehold Condominium Corporporation Assessment Endorsement01/04/2024
EO-0825-0424Common Elements Condominium Corporation Extension Endorsement01/04/2024
ED-0005-0924Combined Limit Extension Endorsement01/09/2024
EO-0820-0424Life Lease Extension Endorsement01/04/2024
EO-0700-0624Power Fluctuation Coverage Residential Endorsement01/06/2024
ED-0050-0124Guaranteed Rebuilding Cost Basis of Claim Payment01/01/2024

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.

Residential

Coverage CodeTitleEffective Date*Link
EOB-0625-0424Private Residential Building Under Construction Endorsement- Named Perils01/04/2024
PP-1710-0125Residential Condo Unit Owners Named Perils Policy01/01/2025
PP-1705-0125Residential Condo Unit Owners Comprehensive Policy01/01/2025
PP-1704-0125Residential Homeowners Limited Named Perils Policy01/01/2025
PP-1703-0125Residential Homeowners Comprehensive Policy01/01/2025
PP-1702-0125Residential Homeowners Broad Policy01/01/2025
PP-1701-0125Residential Homeowners Named Perils Policy01/01/2025
PP-1055-0125Tenant Comprehensive Policy01/01/2025
PP-1050-0125Tenant Named Perils Policy01/01/2025
EOB-0635-0424Private Residence Under Renovation Endorsement-Named Perils01/04/2024
EOB-0630-0424Private Residence Under Renovation Endorsement-Comprehensive01/04/2024
ED-0040-0124Additional Rebuilding Cost Basis of Claim Payment01/01/2024
EOB-0620-0424Private Residential Building Under Construction Endorsement-Comprehensive01/04/2024
EO-1025-0124Water Backup Coverage Endorsement01/01/2024
EO-1020-0124Water Protection Endorsement01/01/2024
EO-0870-1024Identity Fraud Endorsement01/10/2024
EO-0835-0424Vacant Land or Leasehold Condominium Corporporation Assessment Endorsement01/04/2024
EO-0825-0424Common Elements Condominium Corporation Extension Endorsement01/04/2024
ED-0005-0924Combined Limit Extension Endorsement01/09/2024
EO-0820-0424Life Lease Extension Endorsement01/04/2024
EO-0700-0624Power Fluctuation Coverage Residential Endorsement01/06/2024
ED-0050-0124Guaranteed Rebuilding Cost Basis of Claim Payment01/01/2024

*This is the date which the wordings took effect. Please note, that if your policy has not renewed since this date, please contact your Advisor or Broker for a copy of your current wordings.