UCC Protect

The plan has been designed to respond to the needs of each congregation and address the unique exposures faced by the church. It is also available to incorporated ministries, such as camps, seniors’ homes, and education centres. UCC Protect offers the following insurance policy coverages as chosen by each congregation:

• Commercial General Liability (CGL)
• Crime
• Directors’ and Officers’ Liability (D&O)
• Equipment Breakdown
• Property and Business Interruption
• Third Party Event Liability
• Umbrella Liability

Commercial General Liability (CGL)

Coverage for bodily injury, personal injury, property damage, advertising, and tenant's legal liability. Abuse, harassment, and counselling coverage are also included.

Crime

Coverage for employee dishonesty, loss of money, money order and counterfeit currency, incoming cheque, and credit card forgery.

Directors' and Officers' Liability (D&O)

Protects directors and officers, including employees, trustees, volunteers, or committee members and any other person acting on behalf of the church or at the direction of an officer or board of directors of the church for their personal liability arising out of actual or alleged negligence, errors, misstatements, or breach of duty in their oversight responsibilities.

Key exposures include

• liability arising from wrongful dismissal
• employment practices
• contractual obligations; and
• the general safety and well-being of church employees and members

Even if a third-party claim is completely groundless, defence costs can be substantial.

Download a flyer about the program advantages [PDF: 1 pp/48 KB]

Equipment Breakdown

• Coverage for sudden and accidental breakdown of all boilers, pressure vessels, and mechanical and electrical machinery, such as air conditioning units, heat pumps, and wiring.

Property and Business Interruption

• All risks of direct loss or damage coverage provided for property of every description (POED) (subject to the exclusions).
• Replacement cost and no co-insurance penalty provisions provided.
• Discounts are given for having installed burglar and/or fire alarms (monitored or local); for sprinklered buildings, and recent building appraisals. These discounts can add up to a 50% credit.
• Extra expense included.
• Gross earnings and payroll coverage is optional.

Third Party Event Liability

For groups and individuals holding meetings, events, or parties at the premises of churches/camps/outreach ministries that are participants of UCC Protect. For more information, please visit Third Party Event Liability Insurance.

Umbrella Liability

• Provides increased liability limits above the CGL.

For more information, contact

• UCC Protect Service Team
  Tel: 416-597-3400
  Toll-free: 1-888-550-5458
  Toll-free Fax: 1-866-421-1962
  E-mail: UCC Protect Service Team
• Hub International Limited
  595 Bay Street, Suite 900, Box 81
  Toronto, ON M5G 2E3
  E-mail: Hub International Limited