These articles have been prepared from certain policy wordings applicable to the Province of Ontario at the time of writing. Care should be used in applying the contents of the article(s) as the policy wordings, exclusions and coverages may have changed. Not all insurers’ wordings were used and you should be aware that there may be differences in the policy wordings.

In no event, will the Insurance Brokers Association of Hamilton and the writer be liable for any damages, direct or indirect including, without limitation, for any representations, breaches or defaults arising out of the use of these articles.

The material has been prepared for reference purposes and may not be reproduced for any other purpose including the sale, distribution or advertising without the written permission of the author.