Executive Operational Summary
Commercial auto policies (OAP 1) equipped with OPCF 30 exclude liability arising from the operation of attached machinery at job sites. Hydrovac units, crane trucks, and mobile drilling rigs must bridge this gap with affirmative CGL equipment endorsements.
Statutory Standard
FSRA approved standard auto endorsements: OPCF 25A records policy alterations, while OPCF 30 explicitly removes road auto liability while attached machinery is engaged in work operations.
Policy & Underwriting Form Impact
Operating equipment with an OPCF 30 restriction without corresponding CGL floater coverage creates a catastrophic coverage gap where neither policy responds to on-site property damage or third-party injury.
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01
The Context & Statutory Standard
This is a policy-review checklist for vehicle-mounted equipment, not confirmation of any particular endorsement’s applicability. A form name alone cannot establish coverage.
02
Who Is Affected in Ontario
Businesses operating boom trucks, hydrovacs, concrete pumps and other vehicle-mounted machinery.
03
Verified Rules vs. Operational Uncertainties
FSRA’s auto forms directory lists approved forms and editions. OPCF 25A (Alteration) records policy changes; it is not a general equipment floater. If your policy contains OPCF 30 or another attached-machinery exclusion, have its exact wording reviewed. Removing auto coverage does not itself create liability or equipment coverage elsewhere.
04
Questions to Bring to Your Licensed Broker
Compare the issued auto policy, endorsement schedule, liability policy and equipment coverage. Distinguish road use, operation at a work site, injury or damage to others, and damage to the machinery itself.
05
Actionable Next Step for Field Supervisors
Provide your broker with vehicle and machinery identifiers and an operational description. Request an explanation of each policy’s response and any gaps, rather than assuming two policies must overlap.
Site Foremen Compliance Checklist
Key job site actions to maintain standard-of-care defense under Ontario claim audits:
- 1 Review the endorsement schedule on every commercial vehicle registration to verify whether OPCF 30 is attached.
- 2 Ensure vehicle-mounted hydrovacs and drills are scheduled with precise serial numbers on the contractor's equipment floater.
- 3 Document that road transit is covered under OAP 1 and on-site operation is covered under Commercial General Liability.
Precise Question for Your Licensed Broker
Are our vehicle-mounted hydrovacs, booms, and compressors affirmatively endorsed under our CGL policy to ensure no gap exists with our OPCF 30 auto exclusions?
Frequently Asked Questions
Ontario Contractor Legal & Underwriting FAQs
Direct answers to common Ontario insurance and statutory compliance questions:
What does OPCF 30 exclude on an Ontario commercial vehicle?
OPCF 30 removes coverage for liability arising out of the ownership, use, or operation of machinery mounted on or forming part of the vehicle while operating at a work site.
How should a hydrovac or crane contractor structure coverage?
Contractors must pair an OAP 1 auto policy (covering road transit) with an affirmative CGL equipment floater (covering operational, subsurface, and rigging liabilities while stationed at the job site).
Sources and scope
Read the current source and its applicable edition. A linked form or statute does not establish the terms of your policy. Publication here is not evidence of an individual broker sign-off.
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