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Privacy & Resources

Policy Wordings

Auto Insurance Policy Wordings

Please refer to the Ontario Automobile Policy (OAP 1) Owner’s Policy for the regulated insuring agreement governing your auto insurance. Below are some wordings that may be included on your declaration page under the headings Coverage and Form.

Residential Insurance Policy Wordings

On your policy declaration page (titled Residential Insurance), below your address, you will find the Insuring Agreements applicable to your policy. Select the agreements below that match your declaration page. Your declaration page will also identify the specific package applicable to your policy (for example, Homeowners Plus Form or Homeowners Broad Form to guide which Insuring Agreements govern your policy.

See wordings for additional coverages that may be included on your declaration page under the headings Coverage and Form.

 

Farm Insurance Policy Wordings

Please refer to Your Mutual Agribusiness Insurance Policy HDS-PP-0600-0124 for policy wordings. The declaration page distributed will also identify any specific package which may be applicable to your policy (for example, Homeowners Plus Form or Homeowners Broad Form). Ensure you are referring to the correct section of the Insuring Agreements.

See wordings for additional coverages that may be included on your declaration page under the headings Coverage and Form.

Commercial Insurance Policy Wordings

On your policy declaration page (titled Commercial Insurance), you will find the forms applicable to your policy. Please visit this page for wordings that match your declaration page.

We Pay Attention to Your Rights

Our company wants to make sure that you know that your rights are our priority. After all, we are a purely mutual company owned by you, the policyholders. Policyholder directors that you elect guide our company. We firmly adhere to the following principles:

  • Our policyholders’ interests come first. Our distributors will put your interests ahead of their own;
  • We will make sure that you are aware of any conflicts that could be associated with a transaction or recommendation; and
  • We will ensure that the products that you purchase are “the right fit” to meet your needs.

Learn more by reviewing our Fair Treatment of Customers Policy.

Click on the following links to access our privacy agreements:

Our company, like all insurers in Ontario is regulated by the Financial Service Regulatory Authority of Ontario.

Our goal as a policyholder-owned, purely mutual company is to treat policyholders in a fair, courteous and timely manner.

Should you have a complaint, please download our Complaint Handling Protocol to learn more. To log an official complaint, complete this FSRA Complaint Form.