SGI CANADA Special Coverages policy booklet

Claims presented for loss or damage by any person(s) as defined above,
shall be considered to be made by all named or unnamed insured
person(s) jointly. Action(s) of any person either individually or jointly
shall be considered action(s) by all for the purpose of investigation and
settlement of losses.
When we say “we”, “us”, or “our”, we mean SGI CANADA Insurance
Services Ltd.
The key to your policy is its Cover Page. It shows the type and amount
of your coverage. It gives the location of property you are insuring and
describes certain types of property you are insuring. Your coverage starts
at the time and date shown on the Cover Page as the Effective Date. It
ends at 12:01 A.M. standard time on the Expiry Date. The Cover Page
shows both of these dates. This is your policy term.
This policy contains various exclusions and limitations which eliminate or
restrict coverage, please read it carefully.
Insurance cannot be a source of profit. It is only designed to
indemnify you against actual losses or expenses incurred by you or
for which you are liable.
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