Applicable to Section II – Civil Liability Coverages only. An event causing loss, injury or damage; all loss, injury or damage having the same origin will be considered as one occurrence, regardless of the number of claimants. Plumbing system means water supply, distribution and drainage piping on the premises, including appliances and equipment attached thereto. Pollutant means any solid, liquid, gaseous or thermal irritant or contaminant, including fuel oil, vapour, soot, chemicals, pesticides, herbicides, waste and smoke from agricultural smudging or industrial operations. Waste also includes materials that are to be recycled, recovered and reused. Premises means:
Applicable to Section II – Civil Liability Coverages only. Any person having authorized use of or custody of an animal not excluded under this insurance policy and owned by the Insured (but not in the course of any business); • A residence employee while performing duties for you; • If the Insured dies while this policy is in force: – his or her legal representative, but only with respect to legal liability arising out of ownership, maintenance or use of the premises and while he or she has custody thereof; – any person who was insured under this policy before the Insured’s death and who continues to reside on the premises. Occurrence means:
Applicable to Section II – Civil Liability Coverages only. Secondary residences and other dwellings, provided they are specifically described on the Coverage Summary screen. • Premises where you are residing temporarily or which you are using temporarily, other than the dwelling described on the Coverage Summary Screen, provided that: – you do not own such premises; and – you are neither the tenant nor user of the premises under the terms of an agreement for more than 180 consecutive days. • Subject to the coverage period, premises located within the lot lines of your newly acquired principal residence, provided that: – such premises are not covered by another insurance policy; and – such newly acquired principal residence is located in Canada. The coverage period is for 30 consecutive days: – It commences when you acquire ownership of, rent or occupy the premises, whichever occurs first; – It ends upon expiration of the 30 day period or upon termination of this insurance policy, whichever occurs first. • Individual or family cemetery plots or burial vaults located in Canada and for which you are responsible. • Vacant land in Canada you own or rent, excluding farm land. • Land in Canada where an independent contractor is building for you a one-unit or two-unit dwelling. Property damage means damage to or destruction of property.
Applicable to Section II – Civil Liability Coverages only. Secondary residences and other dwellings, provided they are specifically described on the Declarations. • Premises where you are residing temporarily or which you are using temporarily, other than the dwelling described on the Declarations, provided that: − you do not own such premises; and − you are neither the tenant nor user of the premises under the terms of an agreement for more than 180 consecutive days. • Subject to the coverage period, premises located within the lot lines of your newly acquired principal residence, provided that: − such premises are not covered by another insurance policy; and − such newly acquired principal residence is located in Canada. The coverage period is for 30 consecutive days: − It commences when you acquire ownership of, rent or occupy the premises, whichever occurs first; − It ends upon expiration of the 30 day period or upon termination of this insurance policy, whichever occurs first. • Individual or family cemetery plots or burial vaults located in Canada and for which you are responsible. • Vacant land in Canada you own or rent, excluding farm land. • Land in Canada where an independent contractor is building for you a one-unit or two-unit dwelling.
