At HTM Insurance we provide specific packages for the business owner. Whether your business operates on the main street or out of your own home, HTM can tailor a competitive policy package that will protect you and your investment. Talk to your local HTM broker/agent to discover the best options available in your specific situation.
We offer a wide range of packages for:
- Apartments
- Bed & Breakfast
- Churches
- Contractors
- Home Based Business
- Office
- Retail Stores
- Other Programs
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Whether your business operates on the main street or out of your own home, our flexible coverage works to protect everything you’ve worked so hard to build.
Apartments
Bed & Breakfast
Churches
Contractors
Home Based Business
Office
Retail Stores
Other Programs
Policy Wording
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 |
|---|---|---|---|---|
| Additional Agreements of the Insurer – Licensed Grain Commercial Package | CMF-2005-0817 | Business | Nov 2024 | |
| Limited Waiver of Depreciation Extension | LWD-0010-11.23 | Business, Contractors | Jan 2024 | |
| Winery Broad Form | CMF-0520-1215 | Business | Dec 2022 | |
| Welding Warranty | Business | Jan 2022 | ||
| Voluntary Compensation for Church Employees and Volunteers | ELI-0500-1210 | Business | Dec 2022 | |
| Tenants Vandalism & Malicious Damage Endorsement | 18006 | Business | Jan 2022 | |
| Stat Conditions | EO-0895-0315 | Business | Mar 2022 | |
| Solar Energy Equipment Coverage Endorsement | EM-0635-0822 | Business | Jan 2023 | Mar 2022 |
| Sewer, Septic Tank, Floor Drain or Sump Backup Coverage | CMF-0025-1218 | Business | Dec 2022 | |
| S.P.F. No 6.- Standard Non-Owned Automobile | ELI-0825-1210 | Business | Dec 2022 | |
| S.E.F. No. 99 Excluding Long Term Leased Vehicle Endorsement | HTM-0950-0712 | Business | Jul 2022 | |
| Pollution Liability Extension Endorsement | ELI-0725-1210 | Business | Dec 2022 | |
| O.E.F. 98B Reduction of Coverage for Lessees or Drivers of Leased Vehicles Endorsement | OEF 98B | Business | Aug 2022 | |
| Office Equipment Endorsement | ECM-0010-1206 | Business | Dec 2022 | |
| Pollution Liability Coverage for Land Exterminators Endorsement | ELI-0125-0413 | Business | Apr 2022 | |
| Restriction of Coverage – Roof Endorsement | EO-0105-0113 | Business | Jan 2022 | |
| Money & Securities (Broad Form) Endorsement | ECC-0035-1218 | Business | Dec 2022 | |
| Miscellaneous Property Coverage – Named Perils Including Theft | EO-0720-0113 | Business | Jan 2022 | |
| Loss of Income – Earnings No Co-Insurance Coverage Endorsement | EI-0600-0111 | Business | Jan 2022 | |
| Livestock Coverage | CE-50000 | Business | ||
| Extended Loss of Income Coverage – ALS | EI-0690-0609 | Business | Jun 2022 | |
| Limitation of Liability Coverage to Designated Premises | CE-0050-1210 | Business | Dec 2022 | |
| Installation Coverage Form | CMF-0200-1218 | Business | Dec 2022 | |
| Host Liquor Liability Exclusion | HTM-0760-1210 | Business, Farm | Aug 2024 | Dec 2022 |
| Gross Rental Income Form | EI-0025-1218 | Business | Dec 2022 | |
| Flood Coverage Endorsement | EO-1015-0915 | Business | Sep 2022 | |
| Exterior Glass Coverage Form | EO-0735-0501 | Business | Sep 2022 | |
| Extended Loss of Income Coverage | EI-0680-0609 | Business | May 2022 | |
| Exclusion – Products – Completed Operations Hazard | ELI-0055-1210 | Business | Dec 2022 | |
| Equipment Breakdown Endorsement | EO-0865-0117 | Business | Jan 2022 | |
| Employer’s Bodily Injury Liability Coverage Extension Endorsement | ELI-0045-0419 | Business | Nov 2024 | Dec 2022 |
| Earthquake Endorsement | EO-0016-0419 | Business, Farm, Residential | Apr 2022 | |
| Druggist Liability Extension Endorsement | ELI-0110-1210 | Business | Dec 2022 | |
| Data Compromise Coverage Endorsement – Response Expenses and Defence | EO-0985-0116 | Business | Jan 2022 | |
| Cyberone Coverage – Computer Attack and Network Security Liability Endorsement | EO-0990-0116 | Business | Jan 2022 | |
| Commercial Property Named Perils Form | CMF-0150-1218 | Business | Dec 2022 | |
| Commercial Umbrella Liability | PP-0020-0907 | Business | Sep 2022 | |
| Comprehensive Dishonesty, Disappearance & Destruction Coverage Form | ECC-0055-0609 | Business | Jun 2022 | |
| Contractors Tools & Equipment Floater | CMF-0010-1218 | Business | Dec 2022 | |
| Contractors’ Accident Insurance | HTM CA-1-11-2012 | Business | Nov 2022 | |
| Commercial Property Broad Form | CMF-0005-1218 | Business | Dec 2022 | |
| Commercial General Liability | ELI-0780-1210 | Business | Dec 2022 | |
| Commercial Condominium Unit Owners Extension Endorsement | EO-0905-0112 | Business | Jan 2022 | |
| Commercial Condominium Liability Endorsement | EO-0905-0112 | Business | Jan 2022 | |
| Church CounsellingÊLiability Extention Endorsement | ELI-0810-1218 | Business | Dec 2022 | |
| Builders Risk Broad Form | ECF-1580-0222 | Business | Jul 2024 | Jan 2023 |
| Beauty Parlour or Barber Shop Liability Extension Endorsement | ELI-0095-1218 | Business | Oct 2024 | Dec 2022 |
| Athletic-Sports Participant Exclusion Endorsement | ELI-0120-1210 | Business | Dec 2022 | |
| Antique Stock-Second Hand Goods Clause | CMF-0030-1218 | Business | Dec 2022 | |
| Additional Property Damage Exclusion | ELI-0065-1210 | Business | Dec 2022 | |
| Additional Agreements Of The Insurer – Church Package | CMF-0500-0124 | Business | Jan 2024 | Dec 2022 |
| Additional Agreements Of The Insurer – Winery Package | CMF-0525-1215 | Business | Dec 2022 | |
| Additional Agreements Of The Insurer – Contractors Package | CMF-0205-0124 | Business | Jan 2024 | Dec 2022 |
| Additional Agreements Of The Insurer – Commercial Package | CMF-0035-0124 | Business | Jan 2024 | Dec 2022 |
Testimonials
Other Products
At HTM, we strive to offer a variety of products to fit your every need, allowing you to have everything you need in one place. Our product offering includes Farm, Residential, Auto and Commercial policies, which you can choose from by working with one of our knowledgeable agents or brokers.
