Insurance words, in plain words.

Insurance for claims alleging that a child was abused while in your care. It is commonly excluded from general liability and added with its own limit and conditions.

Wording in a liability policy that removes cover for allegations of abuse. Child care programs usually need that cover restored separately, with its own terms and limit.

Wording that removes cover for a named activity, such as zip lining or tubing. Checking for these before adding a new program avoids an unwelcome surprise.

The replacement cost of something minus an amount for age and wear. On a roof claim it can leave a gap between the payment and the price of new roofing.

What your belongings were worth at the time of loss, after allowing for wear and age. It is usually lower than the cost of buying new ones.

What a comparable car would fetch on the day of a loss, after wear and age. It can fall well short of what a lovingly restored car cost to build.

A person or company, such as a lender or a manager, listed on the policy to show they have an interest in the property. Lenders commonly ask for this.

A person or company added to your liability policy, often a general contractor or property owner, so it can respond if they are pulled into a claim over your work.

A person or organisation added to your policy, such as a landlord or a church, so the policy can also defend them against claims arising from your program.

A venue or other business added to your liability policy so it is protected against claims arising from your work on its property during the event.

Someone else, often a landlord or client, whom your policy is extended to protect for claims connected to your work. It needs an endorsement, not just a certificate.

A person or body added to your liability policy so it is defended too if a client sues both of you, such as a park agency or a landowner.

A venue, client or planner added to your liability policy so they are protected for claims arising from your work. The request usually arrives with exact certificate wording to match.

Someone named on your policy so they are protected for claims that come out of your work. Landlords and clients often ask to be added.

A person or organization added to your policy so they are protected for claims arising from the work you do for them, often required by a tow contract.

A party, such as a venue or city, named on your policy so it is protected against claims arising from your event. The venue contract usually says who must be added.

The extra costs of living elsewhere, like a hotel and meals above your normal spending, while you cannot stay in the home.

A section of general liability for certain offences in your own advertising, such as libel. It is usually narrower than media liability and may not reach work done for clients.

An accounting summary listing unpaid invoices by how overdue they are. Insurers and lenders read it to see how reliably your customers actually pay.

The most the policy will pay in total across all claims in one policy year, whatever the number. Contracts sometimes require a particular per-claim and aggregate arrangement.

A figure you and the insurer settle on in advance for an item. That figure is what a total loss pays, so there is no argument about worth afterwards.

A figure the insurer accepts in writing before the policy starts. After a total loss, that number is what the payout is based on, with no later debate over depreciation.

A value the owner and insurer settle in writing before any loss, usually supported by an appraisal, so a total-loss claim does not turn into a debate.

A total-loss figure the insurer and owner settle at the start. It avoids arguments over market value later but typically needs a survey as support.

Visitor-facing activity on a working farm, such as u-pick, tours or a farm café. It brings the public onto the land and can change how liability is rated.

A share of hunting or guiding opportunity assigned to an outfitter by a provincial wildlife authority, often tied to a specific area. The rules and terms vary widely by province.

An arrangement where another licensed producer makes product on your equipment under their own licence. Insurers want to know who owns that product and who answers for the equipment.

How much current a service or circuit is rated to carry, shown in amps on the main breaker or fuse. Older homes often have a smaller service.

Insurance for animals belonging to others while they are in your keeping, paying for injury, illness or loss within a per-animal limit and the exclusions listed.

Insurance for animals left in your care, paying if one is injured, lost or dies while you are responsible for it, separate from claims about treatment.

Insurance on the life of a horse or pack animal, paying if it dies or must be put down after a covered injury or illness. It is separate from liability.

The most a plan pays in one policy year. Some plans cap a single condition or the animal's whole lifetime instead, so read which kind applies.

The most a plan pays for a type of service in a plan year, such as dental or physiotherapy. Costs above it are yours to pay.

The time when a driver app is open and you are available for work, whether waiting, heading to a pickup or carrying a passenger or order.

A written valuation by a qualified professional, with photos and a description. Insurers ask for a recent one because the worth of jewellery and art moves over time.

A written opinion of a car's worth from a qualified specialist, with condition notes and photographs. Insurers often use it to support an agreed value.

Wording that removes cover for claims arising from physical contact or force. In security work, finding out whether it applies, and whether it can be removed, comes before anything else.

Protection for staff working abroad on longer postings, covering injury, illness and sometimes evacuation. It is a different product from the travel cover people buy for short trips.

A claim where you are judged mostly responsible for the collision. Insurers weigh these heavily, so the date and circumstances matter more than the count.

A hotel or venue term that charges the organizer when fewer rooms or meals are used than were promised. Planners signing for a client need to know who owes it.

A grading report produced when a car is sold through a Japanese auction, noting its condition, mileage and repairs. Insurers and appraisers often ask for it.

The amplifiers, drum kit and other stage equipment a band uses behind the performers. Shared or rented backline raises ownership questions at claim time.

An addition to a home policy that extends it to water and sewage pushed back into the house through its own plumbing. It normally comes with a separate limit.

A valve on the main sewer line that closes when sewage tries to flow back into the home, reducing the risk of backup through floor drains.

The large assembly of cells that stores energy for an electric vehicle, usually under the floor. Damage to it can decide whether a car is repaired or written off.

The person or people named to receive the payout from a life insurance policy. With lender creditor insurance, the lender is effectively the one paid.

The person or people you name to receive the payout. If one is a minor, the money may need a trustee or guardian arrangement, so ask how that works.

The document from a card issuer that sets out what its rental car cover includes, the conditions to meet and how to make a claim.

How long payments continue once a claim starts, from a few years up to a stated age. It is separate from the wait before payments begin.

A bond filed with a tender showing the bidder will sign the contract if it wins, and can then supply the required performance bond.

The document a carrier issues acknowledging receipt of goods. It sets out the terms of carriage, including limits on what the carrier owes if cargo is lost.

A written confirmation that insurance is in place or starts on a set date, used by lenders and lawyers as proof before a mortgage is funded.

A temporary pause by an insurer on new policies or changes in an area facing an active threat, such as a nearby wildfire.

One total limit shared across a group of similar items, like a coin set, instead of a value for each piece. A per-item cap may still apply.

An arrangement where a stylist pays the salon for a chair or station and runs their own business from it, usually with their own clients, prices and insurance.

The wiring that runs from the panel to outlets, switches and light fixtures. Aluminum questions on applications are almost always about these.

The legal duty to tell affected people, and sometimes a regulator, when personal data is exposed. Policies often pay for the work involved in doing this properly.

The custom work that turns a vehicle or trailer into a kitchen: cabinets, equipment, plumbing, electrical and serving windows. Ask how its value is recorded on the policy.

Insurance for a building under construction or major renovation, covering the structure, materials and work in progress until the project is complete.

Temporary property cover for a structure while it is being built, including materials on site. It usually ends when the project is finished or occupied.

Cover for lost income and continuing expenses while a covered loss, such as a fire, stops the shop from operating. A waiting period usually applies first.

Wording in personal policies that removes or limits cover for items used to earn income, which can catch paid musicians and music teachers.

Driving that earns income or serves work, as opposed to commuting and errands. Insurers define it in their own words, so app work may or may not fit inside it.

Driving a vehicle to earn income, such as giving paid lessons. A policy written for personal use may not respond when a car is used this way.

How an auto policy describes a vehicle used for work beyond the commute, such as driving clients to showings. Insurers rate it differently from pleasure or commuting use.

Wording in a home or auto policy that removes cover for activities carried out to earn income. It is the clause that most often surprises people working from home.

The rating category a vehicle falls into based on what it does, such as service calls or deliveries. A wrong category can lead to a refused claim.

Terms, often inside a shareholder agreement, setting out who buys an owner's shares, and at what price, when that owner dies, becomes disabled or leaves.

Cover, often optional, toward the extra cost of meeting current building codes or bylaws when a damaged home is repaired or rebuilt.

Extra payment toward bringing repaired parts of a building up to current codes after a loss. Without it, code upgrades can fall on the owner.

An optional add-on on some plans that returns part of the trip cost when you cancel for a reason not on the standard list, under strict timing rules.

Wording that often excludes damage to property you are holding for someone else. Since animals are treated as property, it affects how boarded and hospitalised patients are covered.

Insurance a stable, trainer or farrier carries for animals left in its charge. It responds to that business's legal responsibility, not to every loss.

Policy wording for property you are holding or working on for someone else. Many liability policies limit cover for it, which is why shops arrange specific cover for customers' vehicles.

Wording that limits liability cover for property you are handling or working on at the time. For cleaners it can decide whether the damaged rug or countertop itself is paid for.

Policy wording describing property you are responsible for, such as a client's dog. Many liability forms exclude it, which is why pet businesses add separate animal cover.

The organization, such as an arena or city, that receives a certificate of insurance from the club. Being a holder alone does not make it an insured under the policy.

A document from the contractor's insurer or broker showing their policy, its limits and the dates it is in force. It is evidence of cover, not the policy itself.

The document setting out a credit card's or group plan's travel benefits: limits, eligible people, covered reasons and exclusions. It governs, not the marketing summary.

A summary page proving a policy exists, with its limits and dates. It is evidence only; the actual cover is whatever the policy says.

A summary page proving a policy exists, naming the insurer, dates and limits. It is evidence only and does not alter what the policy itself says.

A one-page summary from the broker or insurer showing your policies and limits, often naming a building or landlord, used as proof before a crew starts a job.

A short document from the insurer or broker showing that a policy exists, its dates and who is named. It is proof of cover, not the contract itself.

A short proof, issued through the broker or insurer, that cover is in place for a date and activity. Venues often ask for one, and the details must match their contract.

A translation done by a translator whose credentials an insurer or government office accepts. Informal translations may be refused for official documents.

The specific features, such as a porch, windows or masonry, that a designation identifies as giving the place its heritage value, and that it protects.

A card payment reversed by the customer's bank after a dispute or a fraud report. Ordinary chargebacks are often treated as a trading cost rather than an insured loss.

A report to the insurer about a situation that might become a claim, such as a demand letter. Filing it in time can keep the later claim under the current policy.

Policy wording about losses caused when a government body orders people out of an area. It can trigger living cost payments during an evacuation.

The record of property claims linked to an address and to the people insured there. Insurers check it when deciding whether to offer cover and on what terms.

A policy that responds to claims first reported while it is in force, rather than to events that happened during it. For camps, this matters when allegations surface years later.

A policy that responds only if the claim is first raised, and reported to the insurer, while the policy is in force. When the work happened matters less than when the claim arrives.

A policy that responds to claims first made while it is in force, rather than when the events happened. Retroactive dates and past policies then decide how far back it reaches.

An access point on the sewer line, often a capped opening in the basement floor, used to clear blockages and to inspect a backwater valve.

A document from a workers' compensation board confirming a contractor's account is active and in good standing, which some boards use to show the hiring business is not liable for that contractor's unpaid premiums.

A marking on switches and outlets rated for direct connection to aluminum wire. Standard devices without it are not meant for aluminum circuits.

The share of an eligible cost a plan pays, with you paying the rest. Plans often set different shares for drugs, basic dental and major dental.

A clause that cuts a claim payment if the amount insured is too low compared with the full value required. It rewards accurate valuations and penalizes underinsurance.

Pledging a life insurance policy to a lender as security for a loan, so the lender is repaid first from the payout if the insured person dies.

An optional charge at the rental counter in which the company agrees not to bill you for damage to its car, subject to its own exclusions. It is not an insurance policy.

An older system in which one pipe carries both storm runoff and household wastewater. Heavy rain can overload it and push water back toward homes.

The term Canada's anti-spam law uses for an email, text or similar message that encourages someone to buy something or take part in a commercial activity.

Cover for claims that your operations, products or premises injured a visitor or damaged their property. It is usually the first policy a small operator is asked to show.

Using property to earn income as a business. Frequent nightly rentals can push a home into this category, which changes which policies fit it.

A licensed kitchen where mobile vendors prepare food, store stock, fill water and clean equipment. Many health authorities expect a truck to work from one.

Protection for claims that arise after a job is done, such as a defect that later causes damage or injury. It matters long after the crew has left.

Liability for injury or damage caused by work you have already finished and handed over, sometimes surfacing months or years after the job.

The part of the policy that responds to harm appearing after a job is done or a product has been delivered, such as a faulty installation found months later.

A requirement written into a policy, such as replacing remaining wiring by a certain date. Missing it can affect the policy or a claim.

The way vacancy is usually counted: unbroken days with nobody living in the home. A short visit does not always reset the count, so check the wording.

A situation where an employer changes pay, duties or conditions so much that the worker treats the job as ended, even though no one was formally fired.

Accidental or malicious presence of something harmful in a product, such as a germ or foreign material. Triggers vary, so the wording on what counts matters.

Protection for the belongings kept inside a motorhome or trailer, such as bedding and cookware. It is separate from cover for the vehicle itself and has its own limit.

A second person named to receive the payout if the first beneficiary has died or cannot receive it for another reason.

An unbroken record of holding auto insurance. Many insurers look at how long you have been insured without a gap when they price a new policy.

Liability you take on by agreeing to it in a contract, beyond what the law would place on you anyway. Policies treat it differently, so the exact wording matters.

Responsibility you accept in a contract for another party losses. Industrial agreements often shift risk this way, so the wording needs to be read against your cover.

The right to move from a group plan to an individual plan after leaving it, within a set deadline. Benefits often differ from the group plan.

A feature letting you switch to permanent cover later, within a set window and without fresh application questions. Ask where that window opens and closes.

A policy the company owns and pays for, with the company as beneficiary. The payout goes to the corporation, which uses it as the agreement directs.

A rural property used and zoned mainly for living rather than farming, often a few acres with a house and outbuildings near a city or town.

A diagnosis named in the policy that can trigger the payment. It must meet the written definition, which may set a severity level or require confirmation by a specialist.

An event the policy lists as a valid cause for cancelling, such as a sudden illness or a death in the family. Reasons not on the list are not paid.

The most the insurer will cover for unpaid invoices from one named buyer. It is set after that buyer is reviewed, and it can be reduced or withdrawn later.

Insurance offered by a lender on a loan, where the lender is paid if the borrower dies or, in some plans, becomes disabled. The lender owns the group policy.

Insurance against theft, forgery and fraud by employees or outsiders. For practices that handle client money, the key detail is whether funds belonging to clients are included.

Pays for money or property lost to theft or fraud, including by someone inside the group. Insurers often want to see financial controls first.

A government-backed arrangement that responds to yield or weather losses on standing crops. It runs apart from a regular farm property policy and has its own enrolment dates.

An arrangement in which each owner holds a policy on the other owners, so the survivors receive money directly to buy the departing owner's shares.

An optional fee in a rental contract that reduces what the renter owes if the instrument is damaged. It is not insurance and carries its own terms.

An addition to a home policy that allows limited paid child care in the house, usually with conditions on the number of children and the liability limit.

A narrower service in which the planner runs the event on the day using plans the client made. Describing it accurately keeps the cover matched to the work actually done.

The sum the insurer pays to your beneficiaries if you die during the term. It generally arrives as a single payment rather than as a regular income.

A higher valuation a moving customer chooses for the shipment, often for an added charge, which raises what the mover owes if goods are lost or damaged in its care.

The worth of the shipment stated to the carrier or insurer. If it is too low, any payment after a loss may follow the lower figure.

The value you state for the horse when you apply. It should match evidence such as a bill of sale or appraisal, because the insurer may look at market value after a loss.

Taking a tank permanently out of service, usually by emptying, cleaning and either removing it or filling it in place, with a written record.

Cover whose payout falls over time, usually in step with a loan balance. Lender mortgage insurance typically works this way even when the cost stays level.

The portion of each home claim you carry before the insurer starts paying. Choosing a higher one changes how much a small repair costs you out of pocket.

The amount you pay yourself on a claim before the insurer pays the rest. A higher deductible usually means a lower price, but a bigger bill on the day of a claim.

A clause that lets the corporation pass its deductible to the owner whose unit caused or suffered the loss. Check how your bylaws set this up.

When the corporation bills an owner for part or all of its deductible after a loss involving their unit, as the bylaws and provincial law allow.

A claim that something you said or published harmed another person's reputation. Some personal umbrella wordings include it, some limit it, and business-related statements are usually excluded.

Lost income and extra costs when a covered loss during construction postpones the opening of a new plant, measured against the planned schedule.

Points added to your licence record for traffic convictions. Too many within a set period can lead to a suspension; insurers look at the convictions behind them.

A supplier or customer site whose damage hurts your income even though your own premises are fine. Cover for it is arranged specifically and named in the policy.

An amount taken off a claim for the age and wear of what was damaged. On a roof it can mean the payment covers less than new roofing costs.

Cover that fills gaps where a local policy is narrower than the home policy. It helps keep protection steady, but how it works depends on each country rules.

An arrangement where the insurer pays the hospital itself, so the traveller is not left to cover a large bill first. Availability depends on the plan and the country.

A form asking the insurer to send claim money straight to a contractor. Read it carefully, because it can limit your say over the repair and the payment.

Protects board members and officers when they are accused of a wrongful decision or a failure in their duties. It can matter even for unpaid volunteer boards.

An official record of your licence history from the province, listing convictions, suspensions and demerits with dates. In Alberta you can order one from a registry agent.

An official record of a driver's licence status, convictions and suspensions from the provincial licensing authority. Insurers read it before accepting each tow operator.

An official record of a driver's licence history, convictions and suspensions from the licensing authority. Canadian insurers rely on the provincial one; a foreign equivalent may help too.

When an umbrella responds directly to a claim the policy underneath excludes. Not every umbrella does this, and the self-insured retention usually applies first.

A second brake pedal, and sometimes extra mirrors, fitted on the passenger side of a training car so an instructor can stop it if a learner cannot.

A smaller partial payment some policies make for a less severe form of a condition, sometimes leaving the main benefit available for a later claim.

A window large enough and low enough for a person to climb out in an emergency. Bedrooms in a suite usually need one or another way out.

Permission from the local permit authority to do electrical work, followed by an inspection. The permit record is independent proof the work was done and checked.

How long a new hire works before joining the plan. Employers set it, within insurer rules, to balance hiring appeal against cost.

The waiting time between becoming unable to work and the first benefit payment. A longer wait generally lowers the cost, but savings must bridge the gap.

Moving someone to a better-equipped hospital, or home, after an emergency. The insurer or its assistance team usually decides when it is needed and arranges it.

A grouping, such as managers and hourly staff, used to set different benefit levels. Classes must be based on job type, not personal choices.

Cover for loss caused by theft or fraud by your own staff, including stolen drugs or money. It usually needs to be added separately.

Responsibility when someone works in your home, like a nanny or gardener. It can overlap with workers' compensation rules, which differ by province.

The business legally responsible for paying a worker, making payroll deductions and meeting statutory employer duties, even when another business directs the daily work.

A written change added to a policy, such as an extra driver, a modification or optional protection. It only counts once it is in writing.

Connected to the panel and able to carry power. Insurers care far more about energized knob and tube than wiring that has been cut off.

The written agreement setting out what you will do for a client, what they must provide and the limits of your responsibility. It is often the first document read in a claim.

An optional part that protects the organization itself, not only its people. How broad it is differs between private, public and not-for-profit bodies.

An optional extra that pays for sudden mechanical or electrical failure of covered equipment, which a standard home policy usually excludes. Wear and age remain excluded.

Cover for sudden mechanical or electrical failure of machinery, which ordinary property policies often leave out. It matters for imaging, laser, dental and sterilisation equipment.

Cover for sudden mechanical or electrical failure of machinery like compressors and ovens, which a standard property policy commonly leaves out.

Protection when a machine such as an X-ray unit or anaesthetic machine fails suddenly from an internal electrical or mechanical fault, rather than from fire or water.

Pays when machinery fails from sudden mechanical or electrical causes, such as a burned-out motor. Normal wear and maintenance neglect are usually excluded.

Cover for mobile machinery and tools that follows them between the yard, the trailer and each job site rather than staying at one address.

Cover that follows portable gear wherever it goes rather than staying at one address. It suits cameras, lenses and laptops that move between studio, car and location.

Cover for claims that advice or a service you provided was wrong, incomplete or late and caused a client a financial loss.

Professional liability cover for a client's claim that your inspection or report was negligent and caused them a financial loss.

Another name for professional liability. The phrase signals protection when a mistake or a missed step in your work leaves a client out of pocket.

Cover that reimburses certain costs when an event cannot go ahead for a listed reason, such as illness or venue closure. Reasons not listed, like a change of mind, are generally excluded.

Insurance that pays only after another policy's limit has been used up. A non-owner policy commonly works this way when you drive a borrowed car.

A policy that sits above another one and responds only once the underlying limit is used up. Ask whether it follows the underlying wording or has terms of its own.

Extra liability protection that sits above the limits on your home, auto and boat policies. It pays only after those underlying limits have been used up.

A window after cover begins during which certain diagnoses, or conditions whose first signs appear in that time, are not paid. It is often applied to cancer, so ask how long it lasts.

The person named in a will to manage the estate. Until the home is sold or transferred, the executor is usually the person an insurer deals with about it.

A letter from a previous insurer, often abroad, confirming the years you were insured and any claims. Some insurers use it to credit past driving experience.

Renewal pricing driven by a group's own claims history. Larger groups rely on it more, while smaller ones are often priced from pooled results.

Extra room above a home's stated limit to rebuild if costs climb after a major loss. Whether it exists, and how far it stretches, depends on the wording.

A window after a policy ends in which claims about earlier inspections can still be reported. It is often arranged at retirement or when closing a business.

Added costs of keeping going after a loss, like renting temporary space or paying for rush shipping, that you would not otherwise have spent.

The sum a life insurance policy is written to pay when the insured person dies. Final expense plans usually carry a modest face amount.

A legal claim that someone was held against their will without lawful authority. It can follow a detention even when nobody was physically hurt.

A list attached to the policy naming each building, machine or animal group and the amount insured for it. Anything missing from the schedule may not be covered.

Poor or incorrect work by whoever did the job. Policies commonly exclude the cost of redoing it, though some damage that results may be covered.

A defect in your own work, such as a repair done wrong. Policies often separate the cost of fixing it from the damage it causes afterwards.

Protection that responds when you or your staff are shown to have stolen from a client. What counts as proof differs between bonds, so read the conditions.

Insurance against theft or fraud involving the corporation's money by people trusted to handle it, such as employees, directors or, where included, the manager.

Visits by the designer during construction to check that the work generally follows the design. What was seen and recorded can become central evidence in a later claim.

A measure of how close a fire hall and a water supply are. A remote property generally rates differently from one in a town.

Walls, ceilings and doors built to slow fire and smoke moving between units. Codes set how it is done, and it is a common item in suite approval.

Moving a vehicle on a truck bed with all wheels off the ground. Many electric vehicles are meant to be moved this way to avoid damaging the drive motors.

A policy or endorsement that covers movable property, such as instruments, wherever it goes, usually with each item listed and given a value.

The area next to a floodway where water may be shallower and slower during a major flood, but where homes can still be damaged.

On Alberta flood maps, the part of the flood hazard area where water is deepest and moves fastest during a major flood.

A contract clause excusing a party when events beyond its control, such as severe weather or an order closing venues, prevent performance. Its wording decides who absorbs lost deposits.

A policy requirement aimed at preventing burst pipes, typically keeping the heat on with regular checks, or shutting off and draining the water supply.

Naming an experienced driver as the main operator of a vehicle that a less experienced driver really uses. Insurers treat it as misrepresentation.

Oil leaking from a tank, its lines or the furnace. Policies that offer this protection often do so as an option with its own limit.

A third-party facility that stores your stock and packs and ships orders. Its agreement sets how much it owes you if goods are lost or damaged in its care.

Equine cover that pays if the horse dies from almost any cause the policy accepts, including accident, illness and humane destruction, subject to its exclusions.

Enrolment status that some home policies require before they extend cover to a child living away. Schools define it by course load.

A way of settling a claim that rebuilds with modern materials performing the same job as the originals, without recreating historic materials or craftsmanship.

Cover for vehicles owned by others that sit in your care, such as in an impound yard. Forms differ on whether they pay only when you are at fault.

A specialised auto and liability policy for businesses that repair, service, store or sell vehicles, built around customers' cars rather than a fleet you own.

The place where a vehicle is parked overnight. Insurers use it to judge theft and accident risk, so it needs to be accurate and updated if a vehicle moves.

A sea-law principle where everyone with cargo aboard shares the cost of a sacrifice made to save the voyage, such as throwing goods overboard.

A recall ordered by a regulator rather than chosen by the maker. Some policies respond to only one kind, so the trigger wording deserves a close read.

A reduced payout, often a return of premiums, if death from natural causes happens within the first years of the policy.

A staged system for new drivers: a learner licence, then a probationary licence with conditions, then a full licence. Each province sets its own stages and rules.

Revenue less certain costs that stop when you do, such as materials. It is the usual basis for working out how much lost income to insure.

Your legal responsibility to people staying in the rental who are injured because of a condition you were responsible for, such as a loose railing.

Physically moving or supporting a client's body during a pose or stretch. Insurers may ask about it separately because it changes the injury risk.

An area where flammable vapour or dust may be present, such as a still room or grain handling space. Electrical equipment there is often expected to be specially rated.

A yearly allowance employees can spend on eligible health costs and claim back with receipts. The employer controls the budget, and tax rules apply.

A tank that stores fuel oil for a furnace or boiler. It may sit indoors, outdoors on a base, or be buried in the yard.

A problem that runs in a breed or family line. Plans differ on whether they cover it, and may ask about it when a young animal is enrolled.

Formal legal protection that a municipality or province places on a property, usually by bylaw or order, which can restrict changes to its listed features.

Protection for the business itself when it rents a vehicle or when a worker drives a personal car on an errand. It addresses the firm's legal exposure, not repair of those cars.

A rural property with animals or crops raised partly for enjoyment but producing some income. Insurers often treat it as a farm risk rather than a home.

A contract term in which one party agrees to protect the other from certain claims or losses. In snow contracts it often shifts fall claims toward the contractor.

Contract wording in which the agency promises to protect the client from claims or costs arising from a worker's acts. Its reach can exceed what the agency's policy covers.

The home and the area around it that affects whether embers or flames can ignite it. FireSmart guidance divides it into bands moving outward from the walls.

A municipal approval some cities require before a business operates from a residence. Its conditions can cover visitors, parking, signs and employees.

An addition to a home policy that allows occasional paid stays in the home. It usually comes with limits on how often you rent and on what the rented part covers.

A fixed system above cooking equipment that releases a fire-suppressing agent when it detects heat. Insurers look for regular service records.

Cover for an organizer who supplies alcohol without selling it, when a guest who drank at the event causes or suffers an injury afterward.

Protection for claims that arise when alcohol is served at your event and a guest later harms someone. Whether it applies depends on who serves and who holds the licence.

A damage or liability scheme run by a booking platform for its hosts. It has its own rules and claim process and is not a policy issued to you.

Any task that makes sparks or flame, such as welding, cutting or grinding. Insurers often ask about the permit and fire watch process around it.

A unique serial number on the hull, usually at the stern. Insurers, lenders and police use it to identify a boat, much as a vehicle identification number identifies a car.

A formal claim, usually filed with a tribunal rather than a court, that someone was treated unfairly on a protected ground like age, disability or gender.

Putting a horse down to end suffering. Mortality policies usually set conditions, such as a vet confirming it was necessary and the insurer being told promptly.

A breath-testing device fitted to a vehicle that stops it starting if alcohol is detected. Provinces can require one as a condition of driving after an impaired conviction.

A class given to roofing after a test that drops steel balls onto samples. Higher classes withstood larger balls without cracking, and Class 4 is the top of the common scale.

The person or business named on customs paperwork as responsible for imported goods, including duties and the rules for imported products. It can shift product liability toward you.

Upgrades to a unit beyond its original finishes. Whether the corporation's policy or yours pays for them depends on the declaration, so ask early.

Alcohol held under federal excise arrangements before duty is paid, often spirits or wine in a licensed warehouse. How unpaid duty is treated in a claim depends on the policy wording.

A promise, in bylaws or an agreement, that the organization will pay for a leader's legal costs and losses. The policy can reimburse the organization when it keeps that promise.

A signed promise to repay the surety for any loss it pays because of the bond. Owners often sign personally, which makes a bond unlike ordinary insurance.

A contract term in which you agree to cover the client's losses or legal costs arising from your work. It can promise more than your policy will pay.

A promise to pay another party's losses or defence costs in stated situations. Broad indemnities in client contracts may reach beyond what an insurance policy covers.

A lease or contract term that says who pays when something goes wrong. It can make the tenant responsible for claims the landlord would otherwise face.

The stretch of time after damage during which lost income is paid for. It should last as long as recovery realistically takes, including re-opening and winning customers back.

A weakness inside the goods themselves, such as produce that ripens or metal that corrodes, that causes damage without any outside event. It is commonly excluded.

A type of policy that follows tools, equipment and goods as they move between job sites, which a vehicle policy often does not cover for theft or damage.

When a buyer cannot pay its debts, through bankruptcy, a court-supervised restructuring or a formal arrangement with creditors. It is the main event trade credit cover is designed for.

A provincial licence or permit allowing a person to teach driving for pay. It is usually separate from the school's own licence and has its own renewal date.

A professional estimate of what it would cost to rebuild the corporation's buildings. It sets the value the property policy is written on.

A clause removing cover when one insured party sues another, such as a director suing the company. It can matter in family firms and partner disputes.

The numbered list of items and their condition written up at loading. It becomes the main record when a customer later says something was missing or arrived damaged.

Stock that is missing when counted, with no clear sign of how it went. Many policies exclude it, separating it from theft with evidence.

The device that converts the direct current made by the panels into the alternating current used in the home and sent to the grid.

A bond that pays a client if one of your workers steals from them. It often sets proof requirements before it pays, and it is not the same thing as liability cover.

Wording that sets which countries' courts a policy will respond to. It decides whether a lawsuit a foreign client files at home falls within the cover.

Someone whose skills, relationships or leadership a business depends on so heavily that losing them would cut profit or put loans and contracts at risk.

Holding a client's keys, cards or alarm codes so guards can respond after hours. It creates its own exposure when a key is lost, copied or misused.

Early electrical wiring where single conductors run on porcelain knobs and pass through porcelain tubes in framing. It has no ground wire and predates sheathed cable.

Contamination already identified before cover starts. These are commonly excluded or handled through special terms, so earlier reports matter.

A park or community where residents own their homes but rent the lot underneath, under a lease with its own rules about insurance and upkeep.

A wall and ceiling finish common before drywall, with plaster applied in coats over thin wood strips. Repairing it well takes specialized trades.

The stretch of the year when the machine is parked and not driven. The policy can suspend the driving parts while still guarding against theft, fire and storm damage.

The first stage of a graduated licence, which lets a new driver practise with a fully licensed supervisor beside them. Its conditions differ from province to province.

A written arrangement letting another rider use your horse, in full or in part, for a fee or in exchange for care. It should set out insurance and vet duties.

Work you paid for in a leased space, like a cook line, washrooms or a bar. The lease decides whether you or the landlord insures them.

Cover for claims that the operator's own negligence damaged property stored by tenants. It does not insure tenants' belongings against every kind of loss.

A letter from a previous insurer confirming how long you were insured and any claims. Canadian insurers may use one from abroad to give credit for experience.

A charger that runs on a higher-voltage household circuit, usually hardwired by an electrician in a garage or driveway, and faster than a standard outlet.

The most your policy will pay if you are legally responsible for injuring someone or damaging their property. Anything above the limit is yours to pay.

Cover for legal costs to respond to a complaint or investigation by the body that licenses you. It often carries its own separate limit.

Trading a licence from another country for a provincial one. Depending on the issuing country, it may be direct or require knowledge and road tests.

The sale of a defaulted unit's contents to recover unpaid rent, carried out under the rental agreement and the province's law on storage liens and notices.

An arrangement found in some seniors housing where you pay for the right to live in a unit for life or a long term without owning it. The contract decides who insures what.

Contract wording that caps what one party can claim from the other. Removing or raising the cap changes how much exposure a policy is asked to absorb.

The time the law allows for bringing a claim. Provinces set their own periods, often counted from when a problem was discovered, with an outer limit.

Cover for claims that your business served alcohol to someone who then caused harm. It is usually tied to your licence, your server training and how you supervise the room.

An added part, such as a custom seat or exhaust, written onto the policy by name with its own value. Unlisted extras are often paid only up to a small general limit.

A diagnosis named in the policy wording, often with a survival period attached. A condition not on the list does not trigger a critical illness payment.

The rechargeable battery in most e-bikes and scooters. Damage, modifications and mismatched chargers are known fire risks, so charging habits at home matter.

Insurance issued in the country where the risk sits, often required by law or contract. It follows that country rules on language, tax and how claims are paid.

Protection that pays to rekey, replace or reprogram a client's locks and access systems after keys or fobs in your care are lost or stolen.

How far back an insurer reviews claims and convictions when it rates a driver. Items older than that window generally stop counting against you.

A charge the corporation passes to owners when a loss or a shortfall in its own cover has to be shared. Your own policy can respond to part of it.

A broader version of the counter waiver that also covers theft of the rental car. The exact terms and exclusions are set by each rental company.

Cover that replaces some of the rent you cannot collect while a covered loss keeps the unit empty. The time it pays for is capped and written into the policy.

A charge a rental company may make for the days a damaged car is off the road and cannot be rented to anyone else.

Cover that pays part of the insured value when a horse survives an injury or illness but can no longer do the job it was insured for.

A report from an insurer listing the claims made under a policy over a period, with dates, causes and amounts. Boards use it at renewal.

A report from an insurer listing every claim on your account for a set period, with dates and amounts paid. A new insurer will almost always ask to see them.

Payment toward rekeying a client's locks or reprogramming their access system after keys or fobs in your care are lost or stolen.

An identifier printed on a product that links it to one production run. It lets a business find the affected units rather than withdrawing everything it sold.

A craftsperson who builds and repairs stringed instruments. A luthier's written valuation is often what insurers look for on a valuable guitar, violin or cello.

Deliberate harm to the property, such as vandalism. Whether the people living in the unit are covered for it varies, so read the wording closely.

Professional liability for health practitioners, covering claims that care, assessment or advice harmed a patient. Colleges often require it, and the required form varies by profession and province.

A required professional liability arrangement for licensees, set up across the industry rather than bought one agent at a time. Its terms, limits and deductibles come from the program itself and are worth rereading each renewal.

A home built in a factory on a permanent steel chassis and moved to its site, commonly certified in Canada to a CSA standard for manufactured homes.

An inspection by an independent surveyor who reports on a vessel condition and value. Insurers and lenders often rely on it for used boats.

The building-wide insurance held by the corporation. It rarely covers your belongings, and it may stop short of what is inside the walls of your unit.

A head-office policy arranged alongside local ones so wording and limits line up across borders. Local policies meet the local requirement, and the master picks up what they leave out.

A framework contract that sets the terms for all work with a client. It often holds the indemnities, liability caps and insurance requirements that later statements of work rely on.

A change to the home or how it is used that would affect an insurer's decision, such as a tenant, a business or long vacancy. Policies expect you to report it.

A change in the home or its use that an insurer would want to know about, such as a major renovation, a new suite or the house sitting empty.

Telling the insurer facts that could affect its decision to offer cover. Wiring type is one that application forms commonly ask about.

Information that would change an insurer's decision to offer cover, or the terms it offers. Using the car to earn money is generally treated as one.

Cover for claims that published content defamed someone, invaded privacy or infringed copyright or trademark. For agencies it is often combined with professional liability in one policy.

Cover for claims that content you created or published infringed copyright, trademark or privacy, or defamed someone. Its scope differs widely between policies.

In Alberta, the arrangement under provincial rules that lets small generating systems at homes and farms connect to the grid and receive credit for power they export.

An answer on an application that is wrong or leaves out something material. It can let an insurer refuse a claim or treat the policy as if it never existed.

A signed permission from a person in a photo or video allowing a stated use of their image. Clients and publishers often expect one for commercial work.

A factory-built home made in sections, generally certified to meet the same building code as a site-built house, and assembled on a permanent foundation.

Cover for cash, cheques and similar items stolen from the till, safe or on the way to the bank, usually with its own limit.

Insurance that pays when a horse or valuable animal dies from covered causes. It is priced on age, use and value, and often asks for a vet report first.

Insurance that protects the lender if a borrower stops paying, often required with a smaller down payment. It is not home insurance and covers no damage.

Insurance a lender requires on a low down payment that protects the lender if the borrower stops paying. It does not pay a family when a borrower dies.

The lender named on the home policy. It has a right to be paid on building claims and to be notified if the policy is cancelled or changed.

Protection for the freight in your care while it moves, as distinct from harm your truck does to others. Limits and excluded goods are set by the wording.

Wording in many home and tenant policies that removes cover for machines driven by a motor. Whether an e-bike falls under it depends on how the policy defines the term.

A sign-in that needs something extra beyond the password, like a code on a phone. Insurers often ask whether it protects email, remote access and administrator accounts.

A loss with no clear explanation, such as a ring slipping off unnoticed. Some policies cover it, while others require evidence of theft or damage.

The person or people listed on the policy as covered. A roommate who is not named is usually not covered by someone else's tenant policy.

The people the policy actually protects. A roommate who is not listed may have no cover for their belongings or their share of liability.

The organization or people the policy is written for. If a chapter, committee or affiliated group is missing from the wording, its claims may not be accepted.

A style of policy that pays only for the causes it lists, such as fire or theft. A cause that is not on the list is not covered.

A way of insuring livestock or buildings only against causes written into the policy, such as fire, lightning or transport accidents. Causes not listed, like illness, sit outside unless added.

The waters where a boat policy applies, such as inland lakes in named provinces. Using the boat beyond that area can leave a claim uncovered.

The geographic boundary within which the policy applies. Travelling past it, even briefly, can put a claim at risk.

A billing arrangement used in some provinces where electricity sent to the grid offsets electricity drawn from it. Each province or utility sets its own rules and credits.

Cover for the club if it is blamed for a crash involving a vehicle it does not own, such as a parent's car on a club trip. It does not replace the driver's own policy.

A standard auto policy form in some provinces for people who drive vehicles they do not own. It mainly provides liability and sits behind the owner's insurance.

The part of a booking the supplier will not give back if you cancel. It is generally what a cancellation plan reimburses, up to the plan's limit.

An insurer's decision not to offer a home policy for another term. The current term runs to its end date, and the notice gives you time to search.

When an insurer decides not to offer you another term at the end of the current one. You get notice, and the time to find new cover is limited.

A decision by the insurer to end the relationship at expiry rather than during the term. Notice rules vary by province and policy type, so check the date on your letter.

Protection for a leased owner-operator when the truck is used off dispatch, such as driving home. The carrier's own policy generally applies only while on assignment.

A heads-up to the insurer about a situation that could turn into a claim. Many policies allow it, and some set time limits that are easy to miss.

The party that requires the bond and is protected by it, usually the owner of a project or a public body awarding the work.

A listed driver who uses a vehicle now and then rather than most of the time. The label has to match how the vehicle is actually shared.

Who lives in the property and how. Insurers treat owner-occupied homes and rentals differently, so the kind of tenancy shapes the policy.

The legal duty a property owner or occupier owes to people on the property, set by provincial law. It shapes how a pool or trampoline injury claim is judged.

A provincial term for motorized machines built mainly for use away from roads, such as snowmobiles, ATVs, side-by-sides and off-road motorcycles. Each province defines it in its own rules.

Protection if you injure someone or damage property while riding a machine away from public roads. Rules differ by province and by whether you are on private land or a trail.

Protection for a customer's vehicle while it is attached to or carried on your truck. It pays for damage during the tow that the truck's own policy typically leaves out.

A standing arrangement under which each shipment is reported as it moves, so regular shippers are not arranging cover load by load.

Part of a home policy covering buildings and fixtures not attached to the house, such as a shed or detached deck. Some pools and spas fall here.

Separate buildings and fixtures on the land, such as a dock, shed or bunkie. They usually carry their own limit, smaller than that of the main building.

A provincial inspection a vehicle from outside the province or country usually must pass before it can be registered. The name and the checklist differ from province to province.

Any building on the property not attached to the house, such as a shop, barn, detached garage or shed. Policies often insure these under a separate limit.

Water that enters a home after flowing across the ground, such as river overflow, lake surge or heavy rainfall runoff. Usually optional on a home policy.

A new layer of shingles installed over an existing one. It adds weight and can hide problems underneath, so insurers sometimes ask how many layers a roof has.

A definition of disability that asks whether you can do your own job, rather than any job. How strictly it applies can decide whether a claim is paid.

A home the policyholder lives in as their main residence. Renting out part of it keeps that status with many insurers, as long as the rental is disclosed.

A bundle that combines property, liability and often lost-income cover for smaller businesses, normally with set options rather than the many choices of separate policies.

Care from practitioners outside the doctor and hospital system, such as physiotherapists, chiropractors and massage therapists, usually with limits on visits or yearly amounts.

Fixed payments to an injured client for set kinds of injury or expense, paid whether or not anyone was at fault. They sit alongside liability cover rather than replacing it.

Benefits paid to an injured player for listed injuries and costs, such as dental work or physiotherapy, without needing to show that anyone was at fault.

A minimum share of eligible staff who must enrol, which insurers may set when employees pay part of the cost. It keeps the group balanced.

A small trial application of a product, such as lash adhesive or hair colour, before the full service, used to spot a likely reaction. A record of it can matter in a claim.

The equipment an aircraft carries, such as a camera or thermal imager. It can be worth more than the airframe and is often insured as a separate item.

A change to a policy that raises the stock limit for set months, so the cover keeps pace with a busy season without paying for the peak all year.

The time a policy allows for rebuilding and returning to normal output after a covered loss. For aged spirits, real recovery can take far longer than the repairs.

Protection if you are held responsible for hurting a visitor or damaging the building, for example through a kitchen fire or an overflowing tub.

A review of a property past and present uses, records and site condition to flag possible contamination. It involves no sampling, and lenders often ask for one before closing.

Joining a short length of copper wire to the end of an aluminum conductor with a connector approved for both metals, so the device connects to copper.

A policy condition naming who may fly the aircraft and what certificate they must hold. A flight outside it can leave a claim unpaid.

A Transport Canada licence number for recreational boats with engines above a set power. It is displayed on the bow and does not replace insurance.

The proof of competency Transport Canada requires to operate a motorized recreational boat. It is earned by passing an accredited boating safety test and is kept for life.

A requirement written into the policy, such as replacing the roof by a set date. Missing it can affect cover, so note the deadline and confirm completion in writing.

The dates the plan is in force, from its start to its end. For a super visa it must meet the minimum length the government sets.

Policy wording that removes or limits cover for contamination of soil, air or water. It matters a great deal for oil leaks.

Wording that limits or removes cover for claims involving contaminants such as oil, fuel or solvents. Shops need to ask what protection is left once it applies.

Cover for cleanup costs and third-party claims after a release of fuel or chemicals. General liability forms commonly carve pollution out, which leaves a gap.

Cover for cleanup costs and outside claims when contamination comes from a site or operation. Ordinary liability policies often exclude pollution, which is why this exists as its own product.

The day you receive the keys and legally take over a home you bought. Cover for the new home usually needs to start on this day, not on moving day.

The day the buyer takes control of the house under the purchase contract. Insurance should already be running by then, and often a little earlier.

The written instructions for a particular site: what guards patrol, when they call police, and what they may and may not do. Insurers and lawyers read them closely after an incident.

When an insurer looks closely at health history only after a claim, rather than at application. Some creditor plans work this way, so ask before enrolling.

A legal document giving someone authority to act for you, for example on property and finances. Whether an insurer accepts it for a policy change depends on its wording and the insurer.

A tractor or truck that provides the motive power, as opposed to a trailer it pulls. Fleet schedules and underwriting forms count these separately from trailers.

The legal category for an e-bike that meets provincial limits on pedals, motor power and assisted speed. Machines inside it are treated as bicycles; those outside it may not be.

A problem that showed signs, or was diagnosed, before cover began. Plans commonly leave these out for as long as the policy lasts.

A health matter that was already there before the trip began. Plans differ on whether it is left out, covered if steady for a time, or covered with extra steps.

The contract signed before the visit that describes the inspection's scope and exclusions, and how disputes and liability are handled.

An agreement with a funeral home that sets services in advance and is paid ahead of time. It is not insurance and is governed by provincial rules.

The firm that contracts directly with the client and coordinates the other design disciplines. It usually answers to the client for subconsultants' work as well.

The business that has taken on an obligation, such as finishing a contract, and arranges the bond to show it can be trusted to meet it.

The person who drives a particular vehicle most often. Insurers build the price of a policy around this driver, so naming the right one matters.

The person who drives a particular vehicle most of the time. Insurers rate the vehicle partly on that driver, so naming the right one matters.

The home you actually live in for most of the year. Some municipal licensing rules and some policies treat rentals there differently from rentals of an investment property.

The work after patient information is lost or exposed: finding out what happened, notifying patients, and dealing with a privacy commissioner where the law requires it.

Products made by a manufacturer but sold under your salon's name. Your name on the bottle can bring more of the product liability back to you.

Cover for claims that something you made and sold injured a person or damaged property, such as a bottle that bursts. It usually does not pay the cost of a recall.

Cover for claims that something you made or sold caused injury or illness, such as contaminated food or an allergen that was not declared.

Liability for injury or damage caused by goods you sold. It can reach a retailer even when someone else made the product.

Protection against claims that something you made, sold or repackaged injured someone or damaged their property after it left your hands.

The part of a liability policy that responds to injury or damage caused by a product after it has left your hands. For an online seller it is often the heart of the liability cover.

Cover for claims that the instruction, programming or advice you gave caused harm. For trainers, it is the part that responds when a client blames your coaching for an injury.

Professional liability bought for one project, often covering the whole design team, with its own limit and a reporting window that runs past completion.

A document from the insurer or broker confirming that a policy is in force. Landlords often ask for a copy before handing over the keys.

The document from the insurer showing the policy details, dates and amount, submitted with the super visa application. The official page describes what it must show.

A formal statement of what was damaged and the amount claimed, which an insurer may ask you to sign. Keep a copy alongside the supporting photos and estimates.

The part of a home policy that covers belongings temporarily outside the home, such as at school. It often has a lower limit than belongings at home.

Cover for business items while they are away from the insured address, such as a laptop at a client's office or stock at a weekend market.

Terms some insurers use for whether a home sits close enough to a fire hall and a water supply for firefighters to fight a fire effectively.

Liability cover for harm a vessel causes to people, other boats or property, including crew injury. Commercial operators usually treat it as the core of their programme.

A buyer who has gone unpaid for a set period past the due date without any formal insolvency. Policies usually add a waiting time before a claim is allowed.

How far from its base a vehicle normally travels. Longer radii, and trips across borders, change how an insurer rates the unit and what filings may be needed.

Malicious software that locks files or systems and demands payment to release them. Cover can include response help and restoring data, though how a payment is treated varies.

The rider an insurer uses to set terms for a machine, usually the person who rides it most. Naming the wrong one can cause trouble at claim time.

A tax authority's revised assessment of a return already filed, often with interest and sometimes penalties. Clients may blame the preparer when it follows an error.

Resetting cameras, radar and other sensors after a repair or windshield replacement so driver-assist features work properly. It adds time and cost to many repairs.

A letter from the manufacturer confirming that open safety recalls on a US vehicle were completed or do not apply, often needed during import.

The cost of pulling product back from stores and customers, telling the public, destroying stock and replacing it. It is usually a separate cover from product liability.

The costs of pulling a product from the market, such as notifying customers, shipping returns, storage and destruction. Lost sales and brand harm are treated separately, if at all.

Money customers owe you for goods or services already delivered. They are the asset trade credit cover protects, and lenders often lend against them.

A plan feature returning what was paid if the super visa is refused, usually once the refusal letter is provided and before the policy has started.

Having a vehicle available to you often or on an ongoing basis, such as a car at home or a company vehicle. Non-owner forms often exclude vehicles you have regular use of.

You pay the clinic first, send in the invoice, and receive a share back. The share depends on the terms the plan sets.

A basic level of mover liability, set on the moving contract at a fixed rate by weight, that applies unless the customer chooses more. It often pays far less than an item cost.

Electrical work that addresses aluminum connection risk, either by repairing every connection point or by replacing the wiring entirely.

The work of cleaning contaminated soil or water to a standard a regulator accepts. Its cost and duration are hard to predict, so cover for it is read closely.

An aircraft flown by a person on the ground using a controller. Most commercial drones fall in this class, which brings its own pilot and operating rules.

Taking an array off the roof and putting it back, usually for re-roofing or a roof repair. It is specialized work that carries its own cost.

The contractor's record that a tank was removed or decommissioned, often with soil test results. It is the proof buyers and insurers ask for.

The list of units, tenants, rents and occupancy at a point in time. Insurers use it to understand a facility's size and how much rental income is at stake.

Cover that pays the rent you would have collected from a rented part of the home while a covered loss makes it unlivable, within the policy limits.

What it takes to repair or rebuild with comparable materials, with nothing taken off for age. Some policies pay this, while others pay a reduced, depreciated figure.

The expense of rebuilding the structure with similar materials and finish, not the market price of the property. Land value is left out, so it differs from what the building would sell for.

What it takes to buy an item new today, not what it was worth after years of wear. Your policy states which basis applies to stock and equipment.

An optional addition that, for a limited time after purchase, pays toward a new comparable vehicle rather than the depreciated value if the car is written off.

The minimum liability limit the umbrella insurer insists each policy underneath carries. A shortfall between that minimum and the actual limit can become your own cost.

A long-range plan of when common components will need major repair or replacement and how much the corporation should set aside to pay for them.

The contract between a retirement residence and a resident. It sets the rent and services, and often what the resident must insure, such as belongings and liability.

A benefit for when you can still work part-time, or at reduced capacity, and earn less than before. The policy replaces part of the lost income.

An industry arrangement that makes required auto cover available to drivers who cannot find it in the regular market. Insurers share the cost, and terms reflect the risk.

The portion of a covered loss that the organization pays first, before the insurer steps in. Larger retentions tend to be seen with larger organizations.

The share of each loss you agree to carry yourself before insurance responds. Specialty buyers often accept a larger retention as the price of getting cover at all.

The earliest inspection date a claims-made policy will cover. Inspections done before it fall outside the policy, even if the claim arrives today.

The earliest date from which past work is protected. Work done before it is left out, so the date should travel with you when you switch insurers.

The date before which events are not covered, even if the claim arrives during the policy. Keeping the same date when you renew avoids opening a gap.

An optional feature that refunds premiums if you keep the policy for a required period without claiming. It raises the cost and comes with conditions on timing.

A written change to a personal auto policy that extends it to app driving. Its wording sets which apps, which periods and which kinds of trips are included.

A vehicle with the steering wheel on the right, built for markets that drive on the left. Many are imported from Japan once they are old enough to qualify.

A review of a property's security, wiring, water and fire protection by the insurer or a specialist. It is sometimes requested for high-value homes.

The practical driving exam a learner takes with a provincial examiner to move to the next licence stage. Schools often supply the car for it.

A practitioner paying a clinic owner for the use of a treatment room while running a separate practice. Who insures what should be written into the agreement.

A system some police services and municipalities use to assign tows to approved operators in turn. Joining usually means meeting stated insurance and equipment conditions.

Protection that continues for former leaders after a sale or merger, for decisions made before it. The buyer's new policy generally addresses decisions made afterwards.

Cover for claims that the operator wrongly sold or threw out a tenant's goods, for instance after a mistake in the notices. It is not part of every liability policy.

Payment owed to those who save a vessel or cargo from danger at sea. Cover for these costs depends on the wording and the circumstances.

A game, tournament or activity approved by the governing body under its rules. Governing body insurance programs commonly apply only to sanctioned activity.

A valuable listed by name on a home policy, usually with an appraisal or receipt, so it carries its own amount and wider protection than ordinary contents.

An item listed by name with its own value on the policy, so it is not squeezed under the small caps that apply to unlisted valuables.

Health and sometimes dental cover a college or university arranges for its students. International students are often enrolled automatically, depending on the school and province.

The range of work your training and certification support. Advice beyond it, such as treating an injury, may fall outside what the policy expects you to do.

The written process a club uses to check coaches and volunteers, often including a criminal record check with a vulnerable sector search for anyone working with minors.

A self-contained dwelling inside or beside a house, with its own kitchen, bathroom and sleeping area. Each municipality defines it in its own land-use and building rules.

An Alberta endorsement adding cover for legal liability for damage to cars you do not own, including rentals. Other provinces have similar endorsements under different names.

The amount you pay yourself when the umbrella responds to a claim that no underlying policy covers. It works like a deductible but applies only in those cases.

A gate that swings shut and locks on its own after someone passes through. Pool bylaws and insurers commonly ask about it.

A dated record of each visit: arrival, what was cleared, what was applied and the conditions. It is often the main evidence in defending a slip-and-fall claim.

Commitments on uptime, response times or fixes, often with credits when they are missed. Insurers may treat those credits differently from a claim for damages.

Water or sewage forced back up through floor drains, toilets or sinks from an overloaded sewer line. Often a separate option with its own limit.

The pipe carrying wastewater from the house to the municipal main under the street. Part of it usually sits on private property and is the owner's to maintain.

Permission to approve payments or sign cheques on a client's account. Insurers ask about it because it changes the size of a possible theft or fraud.

A policy approved from a short questionnaire rather than a full review. The answers decide whether full cover applies right away or later.

The panels that close in the space between the bottom of the home and the ground, protecting plumbing and the underside from cold, animals and debris.

Trickery that persuades a person to hand over money or access, such as a forged invoice or a call pretending to be the bank. It is a separate extension in many policies.

A loss caused when someone is tricked into sending money or changing payment details, usually by an email or call that impersonates a person they trust.

Expenses beyond bricks and labour that a delay can add, such as extra loan interest, permits and design fees. They can be covered if arranged in advance.

Short-term protection for a single fundraiser, tournament or festival. It can be added when the main policy does not extend to a larger event.

Permission from the regulator for flights that fall outside the standard rules. Insurers want to see it and the conditions attached before covering such flights.

Insurers or facilities that write risks outside standard guidelines, such as homes with several claims. Offers often come with narrower terms meant to be temporary.

Food that goes bad after a cooler failure or power outage. It often needs to be added separately and usually carries its own limit.

A condition saying a health issue that existed before cover starts is covered only if it stayed stable, as the policy defines it, for a set time beforehand.

The span before departure during which a known condition has to stay unchanged for it to be considered. Each insurer sets its own length and its own meaning of unchanged.

The skill and diligence a reasonable professional would apply in similar circumstances. Policies generally respond to failures to meet it, not to promises of perfect results.

The baseline description of a unit's finishes that the corporation insures. Anything an owner adds beyond it is usually the owner's to insure.

The amount you declare for the car. The policy may still pay only the lower of that figure and what the car was actually worth, so the wording on payment matters.

The document setting out exactly what an agency will deliver for a project, and often what it will not. Insurers and courts read it closely when a client disputes a result.

A document the corporation issues about its finances, rules and insurance. Buyers read it before closing, and some provinces use a different name for it.

Months when a machine is declared parked and cover is reduced, usually keeping theft and fire protection but pausing riding cover until the agreed date.

Another agency that fills part of a client order for you. Its workers may still be your responsibility under the client contract, so its insurance matters to yours.

Proof that each trade working on your project carries its own liability cover. Without them, a trade claim can land on the party who hired them.

A smaller cap inside the policy for one category, such as jewellery or water damage. It applies even when the overall limit is much higher.

A smaller cap inside a policy for one kind of property, such as bicycles, that applies even when the overall contents limit is much higher.

The organised package a broker sends underwriters to describe a risk: its history, controls and what is wanted. A clear submission often decides whether specialists engage at all.

The insurer's right to recover what it paid from whoever caused the loss. It is why a landlord's insurer may look to a tenant's liability cover.

The point at which a project is ready for its intended use. It often decides when builders risk ends and who becomes responsible for insuring the building.

A visa that lets parents and grandparents of Canadian citizens and permanent residents visit for extended stays, with conditions that include proof of private medical insurance.

The company that issues the bond and stands behind the undertaking the principal made to the obligee. If the principal defaults, the surety may step in, then seek repayment.

Insurance sold by insurers outside the standard market for risks that do not fit regular programs. Terms are tailored, and a broker with access usually handles the placement.

The number of days you must live after a covered diagnosis before the benefit is paid. The policy sets its length, and it can vary by condition.

Permission to pair a piece of music with video, separate from the right to play the recording itself. Social and broadcast ads that use music typically need one.

An extra window bought when a claims-made policy ends, so late claims about earlier work can still be reported. Retirees and closing firms often ask about it.

A scan of a property with a metal detector or similar tool to find buried tanks or fill pipes before buying.

Removing the old roofing down to the deck before installing new material, rather than laying a second layer on top. Insurers may ask which method was used.

Professional liability for technology work. It answers claims that software, systems or advice failed and caused a client a financial loss.

The process of observing a new dog before admitting it to group walks or daycare. Insurers often ask whether you do one and how it is recorded.

A business that employs workers and assigns them to perform work for its clients for a period. Some provinces use the term in their employment standards rules.

Upgrades a tenant installs, such as flooring or partitions. The lease decides whether the landlord or tenant insures them, and gaps appear when neither does.

Changes a tenant pays for in leased space, such as treatment rooms, plumbing or soundproofing. The lease usually says who must insure them after a loss.

Changes you paid for inside a leased unit, such as plumbing for shampoo bowls or built-in stations. Who insures them, you or the landlord, depends on the lease wording.

Cover for a renter's legal responsibility if they damage the building or injure someone. Many leases require it, and some ask for proof before move-in.

A program offered to storage tenants that pays for their stored goods after listed losses. It may be insurance or a contractual promise, which changes how it is regulated.

Protection for damage you cause to the space you rent, such as a fire that starts in your unit. Leases often spell out what the tenant must hold.

The number of years a policy stays active. It is often matched to the length of the need, such as the years until children are independent.

The places where a policy will respond to a claim. For online instructors, it decides whether a client in another country is within the policy's reach.

The part of the world where a policy responds to losses or claims. Some Canadian policies stop at the border or extend only to a short list of countries.

The part of a policy that says where an incident may happen, or a claim may be brought, for the policy to respond. It decides whether foreign sales are protected.

A centre of specialist insurers and syndicates that take on unusual or large risks. Brokers reach it through dedicated channels, not through direct sales to the public.

An allegation from a customer, supplier or visitor, not a worker, that an employee harassed or discriminated against them. Some policies include it and some do not.

An extension covering theft of a client's money or property by your employee, as opposed to theft of the firm's own funds.

Protection against theft by your employees from your clients' premises or accounts, rather than from your own. Staffing contracts often ask for it by name.

Crime cover for theft by your employees from your clients, rather than from your own business. Guarding contracts often ask for it by name.

The part of a policy that responds when you are legally responsible for injuring another person or damaging their property, up to the limit shown on the policy.

Cover for harm the aircraft causes to others, such as injured bystanders or damaged vehicles. Clients often ask to see it before letting flights happen.

A control that drives the motor without pedalling. A throttle bike can still qualify as a bicycle in some provinces, but the speed and power limits still apply.

A strap or anchor connecting a manufactured home to the ground or its foundation so that it resists being shifted or lifted by strong winds.

The person or entity that legally owns an asset. When a home sits in a trust or company, the policy should name the owner that really holds title.

A separate policy covering certain problems with the ownership record, such as liens or registration errors. It does not pay for fire, water or liability.

Cover for portable tools and equipment that follows them from shop to truck to job site, rather than staying at one address.

The truck or car that pulls a trailer. Its policy may respond for harm done to others, but damage to the trailer itself usually needs separate arrangements.

The ability to follow a product back through its batch, supplier and shipment records. Strong tracing narrows a recall, and underwriters ask about it early.

A pass bought from a trail operator or club that allows riding on maintained trails and helps pay for grooming. It grants access; it is not insurance.

A protection for a trailer you pull under a written agreement with its owner. Without it, damage to that borrowed trailer could fall on your business.

The term regulators and insurers use for a business that connects riders or customers with drivers through an app, rather than through a taxi licence.

Cover for claims that a beauty or wellness service injured a client, such as a burn, cut or reaction. It is the personal-services version of professional liability.

The amount of snowfall a contract says starts a plowing or salting visit. It sets when you were expected on site, which matters in a fall claim.

Cover for the unused or extra travel costs when a trip is cut short for a reason the policy lists. It is a trip-cost protection and is separate from hospital cover.

Cover for the unused prepaid part of a trip and the extra cost of returning home when a covered reason cuts the trip short after departure.

A separate bank account a brokerage or property manager holds for clients' money, such as deposits, rent and damage deposits. Rules govern how it is used, recorded and reconciled.

A separate policy that sits above home and auto liability and adds a higher limit. Owners with a pool sometimes ask a broker whether it suits them.

Policy wording that sets rules for gear left in a car, such as locked in the trunk out of view, or that excludes theft overnight. It decides many camera theft claims.

A policy rule limiting theft cover for gear left in a parked car, often requiring it to be locked and out of sight, or excluding overnight periods.

A home, auto or other policy the umbrella sits above. Its liability limit has to be used up before the umbrella pays, and it must meet the umbrella insurer's minimum.

The insurer's review of an application to decide whether to offer cover and on what terms. It is handled privately by the adviser and insurer, not on this page.

A property where nobody is staying right now but the furnishings remain. Insurers treat this differently from a vacant property that has no contents at all.

A condition on how the car may be driven, often naming shows, parades and pleasure outings while ruling out commuting. Some policies also cap yearly distance.

A policy condition that cuts or removes certain protections once a building has sat empty beyond a stated number of days. Gaps between tenants can trigger it.

A condition that limits or suspends some cover when a building has been empty beyond a set number of days. Planned vacancies are best raised before they begin.

Policy wording that can limit or remove cover when buildings sit empty for a set period. Seasonal camps can ask the broker how the off-season is treated.

Written permission from an insurer allowing a home to stay empty beyond the usual limit, usually for a set time and on stated conditions.

A home whose occupants have moved out and taken most of their belongings. Insurers often apply stricter conditions to it than to a home that is only temporarily unoccupied.

The set of documents an event or market sends to food vendors, usually covering fees, rules, power and the insurance certificate they require.

An inspection of what can be seen and reached safely without opening walls or moving belongings. Reports usually state these limits, and claims often test them.

Benefits for volunteers hurt while helping, since they usually are not covered by workers compensation. Terms vary on who counts as a volunteer.

A police check that searches additional records relevant to people working with children or other vulnerable groups. Licensing rules and insurers both commonly ask about it.

A police check for people working with children or other vulnerable people, which can show certain records a standard check does not. How to request one depends on your local police service.

The days after you enrol before cover for a given kind of claim begins. Anything that appears during that gap is treated as having come first.

Time after arrival before a provincial health plan starts paying for care. Some provinces have one and others do not, so check the official source.

The time after a plan starts before certain services, often major dental work, are paid. It differs by plan and by type of service.

The first stretch of a shutdown, often counted in days, before this cover starts to respond. Income lost inside it is yours to absorb.

The number of hours an outage must last before lost income starts to be covered. A shorter wait means a smaller gap that the business absorbs itself.

A document in which a participant agrees to give up some rights to sue. It can help, but it does not always hold, and it never pays defence costs.

A signed statement in which participants accept the known risks of an activity. It can support your position, but it does not replace liability cover.

A contract term in which you agree your insurer will not pursue the other party to recover a claim it paid. Event organisers sometimes ask for it.

Cover for a business holding other people's goods in storage, responding when those goods are damaged and the business is legally responsible for the loss.

A property reached by boat or a seasonal road. Emergency services may be slower to arrive, so insurers ask more questions or narrow the options.

Cover for water that comes up through a drain or sump instead of arriving from a burst pipe. It is often an optional add-on, so check whether you have it.

A letter from Alberta's Workers' Compensation Board showing whether a contractor's account is active and in good standing on the date it is issued.

A document from the Workers' Compensation Board showing that a business is registered and in good standing, which general contractors often request from subcontractors.

Gradual deterioration from age, weather and use. Home policies commonly exclude it, so a roof that fails slowly is treated differently from one damaged in a storm.

A perforated pipe around the foundation footing that collects groundwater and carries it to a sump or, in some older homes, into the sewer.

An inspection of a wood-burning appliance and chimney by a technician trained under the Wood Energy Technology Transfer program, which Canadian insurers often ask for.

The zone where homes and buildings meet or mix with forest, brush or grassland that can carry a wildfire.

A separate deductible some insurers apply only to wind and hail losses. It can differ from the standard one, so find it on the declarations page before storm season.

Preparing a boat for the cold months by draining or protecting the engine and water systems, then cleaning, covering and securing it. Policies often exclude freeze damage when it was not done.

Preparing a seasonal property for freezing weather by draining pipes, shutting off water and locking it up. Some policies make this a condition of cover.

The installer's commitment to fix problems caused by how the system was installed, such as roof leaks at mounting points, for a stated period.

A claim that someone was let go without good reason or enough notice. Cover can help with defence costs, while notice pay required by law is often outside it.