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.
Business
We know how important your business is to you and your family, which is why we take pride in offering custom commercial packages tailored to your business’s specific needs. 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.
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 |
|---|---|---|---|---|
| Common Elements Condominium Corporation Extension Endorsement | EO-0825-0424 | Other Coverages, Residential | Apr 2024 | |
| Watercraft, Outboard Motor and Miscellaneous Equipment Broad Form Coverage Endorsement | EO-0810-0124H | Business | Jun 2025 | |
| Miscellaneous Property Coverage – Named Perils Including Theft | EO-0720-0113HTM | Business | May 2025 | |
| Transportation Coverages – Broad Form | ECM-1130-1217 | Business | Dec 2017 | |
| Miscellaneous Property Endorsement – Broad Form | CMF-0060-0814 | Business | Aug 2014 | |
| Solar Energy Equipment Coverage Endorsement | EM-0635-0822 | Business | Aug 2022 | |
| Wind Exclusion Endorsement | WEX-10.24 | Farm, Farm Buildings | Oct 2024 | |
| Alarm System Warranty | ASW-10.24 | Business | Oct 2024 | |
| Locked Vehicle Warranty | LVW-10.24 | Business | Oct 2024 | |
| Statutory and Additional Conditions – Commercial | EO-0895-0125 | Business | Jan 2025 | |
| Communicable Disease Exclusion | EO-1557-0824 | Business, Farm | Aug 2024 | |
| Greenhouse Building, Equipment, Stock and Crop Broad Form Coverage | ECM-0120-0104 | Business | Jan 2004 | |
| Additional Agreements of the Insurer – Licensed Grain Commercial Package | CMF-2005-0817H | Business | Aug 2025 | Aug 2017 |
| Amphibious Automobile Coverage Endorsement – Farm | FE-50502 | Farm, Farm Liability | Jan 2024 | |
| Amphibious Automobile Coverage Endorsement | PE-00502 | Other Coverages, Residential | Jan 2024 | |
| Minor Conviction Protection | FMCF03 | Additional Coverages and Exclusions, Automobile | Jun 2024 | |
| Additional Insured Endorsement – Use of Hydro One Corridors | ELI-0915-1223 | Farm, Farm Liability | Dec 2023 | |
| OPCF 49 – Agreement Not to Recover for Loss or Damage from an Automobile Collision (for Ontario Automobile Policy OAP 1) | OPCF 49 | Additional Coverages and Exclusions, Automobile | Jan 2024 | |
| Direct Compensation Property Damage / OPCF 49 Information Memo | Additional Coverages and Exclusions, Automobile | Jan 2024 | ||
| Limited Waiver of Depreciation Extension | LWD-0010-11.23 | Business, Contractors | Nov 2023 | |
| Farm Office Equipment – All Risk | FOE - 10.23 | Farm, Other Coverages | Oct 2023 | |
| Ontario Garage Automobile Policy (OAP 4) | OAP 4 | Automobile, OAP 4 | Jan 2022 | |
| Warehouse Operator Coverage | EO-0150-0517 | Farm, Other Coverages | May 2017 | |
| Livestock Mortality Policy | PP-0030-0601 | Farm Livestock | Jun 2001 | |
| OPCF 27B – Business Operations – Liability for Damage to Non-Owned Automobile in your Care, Custody and Control | OPCF 27B | Additional Coverages and Exclusions, Automobile | Oct 2003 | |
| OPCF 28A – Excluded Driver | OPCF 28A | Additional Coverages and Exclusions, Automobile | Jun 2005 | |
| OPCF 20 – Coverage for Transportation Replacement | OPCF 20 | Additional Coverages and Exclusions, Automobile | Mar 1994 | |
| OPCF 27 – Liability for Damage to Non-Owned Automobiles | OPCF 27 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 27B – Business Liability for Non-Owned Automobiles | OPCF 27B | Additional Coverages and Exclusions, Automobile | Oct 2003 | |
| OEF 98B – Reduction of Coverage for Lessees or Drivers of Leased Vehicles | HTM-0945-0216 | Additional Coverages and Exclusions, Automobile | Feb 2016 | Aug 2013 |
| OPCF 40 – Fire Deductible | OPCF 40 | Additional Coverages and Exclusions, Automobile | Nov 2005 | |
| OPCF 32 – Use of Recreational Vehicles by Unlicensed Operators | OPCF 32 | Additional Coverages and Exclusions, Automobile | Jan 2012 | |
| OPCF 30 – Removing Coverage for Attached Machinery | OPCF 30 | Additional Coverages and Exclusions, Automobile | Jan 2012 | |
| OPCF 48 – Offset Tort Deductibles | OPCF 48 | Additional Coverages and Exclusions, Automobile | Sep 2010 | |
| OPCF 6A – Permission to carry paying passengers | OPCF 6A | Additional Coverages and Exclusions, Automobile | Jun 2008 | |
| OPCF 47 – Agreement not to rely of SABS Priority of Payment Rules | OPCF 47 | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 23A – Leinholder Protection | OPCF 23A | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 43 – Removing Depreciation Deduction | OPCF 43 | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 17 – Reinstatement of Coverage | OPCF 17 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| OPCF 19A – Agreed Value of Automobiles | OPCF 19A | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 9 – Marine Use Exclusion | OPCF 9 | Additional Coverages and Exclusions, Automobile | Jun 1995 | |
| Declaration for Trailmaster Discount | FMDF01 | Additional Coverages and Exclusions, Automobile | Oct 1999 | |
| OPCF 5 – Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s) | OPCF 5 | Additional Coverages and Exclusions, Automobile | Jan 2007 | |
| OPCF 8 – Property Damage Reimbursement | OPCF 8 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| OPCF 16 – Suspesion of Coverage | OPCF 16 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| Protection Plus | FMCF01 | Additional Coverages and Exclusions, Automobile | Jun 2024 | Jun 2016 |
| Declaration for the Retiree Discount | Additional Coverages and Exclusions, Automobile | Nov 1996 | ||
| OPCF 13C – Restricting Glass Coverage | OPCF 13C | Additional Coverages and Exclusions, Automobile | Mar 1994 | |
| OPCF 19 – Limiting the Amount Paid for Loss or Damage Coverages | OPCF 19 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| Emergency Road Service Excess Coverage | FMCF35 | Additional Coverages and Exclusions, Automobile | Jun 2024 | Oct 1999 |
| OPCF 43A – Removing Depreciation Deduction for Specified Lessee(s) | OPCF 43A | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| Ontario Automobile Policy (OAP 1) | OAP 1 | Automobile, OAP 1 | Jan 2024 | Jun 2022 |
| Your Tenants Insurance Policy | TP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Secondary Home Insurance Policy | SH-10.23 | Residential, Secondary Residence | Oct 2023 | Jan 2018 |
| Your Seasonal Home Insurance Policy | SE-10.23 | Residential, Seasonal Home | Oct 2023 | Jan 2018 |
| Your Rental Dwelling Insurance Policy | RD-01.18 | Investment Property, Residential | Jan 2018 | |
| Your Premium Secondary Home Insurance Policy | PSH-10.23 | Residential, Secondary Residence | Oct 2023 | Jan 2018 |
| Your Premium Rental Dwelling Insurance Policy | PRD-10.23 | Investment Property, Residential | Oct 2023 | Jan 2018 |
| Your Premium Home Insurance Policy | PHP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Home Insurance Policy | HP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Condominium Rental Insurance Policy | CRP-01.18 | Investment Property, Residential | Jan 2018 | |
| Your Condominium Insurance Policy | CP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Basic Insurance Policy | BAS-10.23 | Other Coverages, Residential | Oct 2023 | Jan 2018 |
| Watercraft Floater | WC-11.20 | Residential, Watercraft | Nov 2020 | Jan 2018 |
| Water Protection Endorsement | WPE-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| Water Backup Endorsement | WBE-01.18 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2018 | |
| Statutory and Additional Conditions | EO-0895-0125 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2025 | Jan 2018 Oct 2023 |
| Roof Restriction Endorsement | RRE-01.18 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2018 | |
| Personal Articles Floater | PAF-01.18 | Personal Articles, Residential | Jan 2018 | |
| Owner’s Construction Liability Endorsement | ELI-0012-0396 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Mar 1996 | |
| Life Lease Extension Endorsement | EO-0820-1206 | Primary Residence, Residential | Dec 2006 | |
| Legal Liability | LL-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| Home Systems Protection Endorsement | EO-0940-0125 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2025 | Jul 2023 |
| General Loss or Damage Not Insured | GLD-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| General Definitions – Residential | DFR-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| Functional Rebuilding Cost | FRC-01.18 | Primary Residence, Residential | Jan 2018 | |
| Builders Risk Coverage | BR - 10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| Additional Coverage – Premium | ACE - 10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Additional Coverage – Home | ACS - 10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Additional Coverage – Basic | ACB - 01.18 | Other Coverages, Residential | Jan 2018 | |
| Your Seasonal Home Insurance Policy – Farm | SE-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Basic Insurance Policy – Farm | BAS-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Tenants Insurance Policy – Farm | TP-10.23 | Farm, Home Insurance | Oct 2023 | Mar 2022 |
| Your Secondary Home Insurance Policy – Farm | SH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Rental Dwelling Insurance Policy – Farm | RD-01.18 | Farm, Home Insurance | Jan 2018 | |
| Your Premium Secondary Home Insurance Policy – Farm | PSH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Premium Rental Dwelling Insurance Policy – Farm | PRD-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Premium Home Insurance Policy – Farm | PHP-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Premium Country Home Insurance Policy | PCH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Home Insurance Policy – Farm | HP-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Country Home Insurance Policy | CH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Condominium Rental Insurance Policy – Farm | CRP-01.18 | Farm, Home Insurance | Jan 2018 | |
| Your Condominium Insurance Policy – Farm | CP-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Watercraft Floater – Farm | WC-11.20 | Farm, Other Coverages | Nov 2020 | Jan 2018 |
| Water Protection Endorsement – Farm | WPE-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Water Backup Endorsement – Farm | WBE-01.18 | Farm, Home Insurance | Jan 2018 | |
| Unmanned Air Vehicle Systems | ELI-0240-1115 | Farm, Other Coverages | Nov 2015 | |
| Statutory and Additional Conditions – Farm | EO-0895-0125 | Farm, Farm Liability | Jan 2025 | Jan 2018 Oct 2023 |
| Stated Value Coverage Extension | MSV-10.23 | Farm, Farm Buildings | Oct 2023 | Jan 2018 |
