Special prescribed and standardized conditions that the Provincial Insurance Acts require to be included in fire, automobile and accident and sickness policies.

A written statement by a plaintiff detailing the facts which support the claim against the defendant and the relief sought.

A person who, according to a company’s underwriting standards, is entitled to purchase insurance protection without special restrictions.

The prescribed wording of certain parts of a policy. The conditions and requirements which commonly form part of contract documents.

The basic amounts of indemnity provided under a liability policy or the liability section of a policy. These limits can be increased by agreement, with an additional percentage charge.

Any insurance form worded identically by all insurance companies, generally to meet the requirements of local legislation.

A term applied to a building which conforms to certain agreed upon standards of construction, such as solid brick, stone or concrete.

Self ignition of combustible material through chemical action of its parts.

This basic policy contains declarations, general provisions and definitions applicable to the four principal sections of coverage; property, liability, comprehensive crime, boiler and machinery. The particular coverage requirements for each are handled by separate forms attached to the basic contract.