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

1. An unusual fortuitous, unexpected, or unforeseen event or occurrence. 2. An unforeseen, undesigned occurrence at a given time and place causing physical injury to persons or damage to property.

Estimation of the value of an item, usually by appraisal

Any form of insurance, which is required by law.

Termination of a policy because of failure to pay the premium.

Liability imposed by law on individuals or corporations to pay for harm done to others.

The person to whom a lease is granted.

The person granting a lease.

Insurance which agrees to indemnify the insured for sums that he or she may be required by law to pay to third parties as damages for bodily injury or damage to property.

A written statement about someone, which is personally injurious to that individual