Insurance and risk

Property insurance
The Diocese holds property insurance covering all parish and other diocesan buildings. This coverage for your parish is defined in the policy document issued each year to each parish. You will see in this document all the types of perils for which a parish is covered.

Liability insurance - general
In addition to property coverage, the policy provides general liability insurance of $2 million, covering all employees including voluntary workers while engaged in activities on behalf of the Diocese or parish. Also included are $8 million "umbrella liability insurance", boiler insurance, employment practices, directors and officers insurance, and loss of income insurance. It is important to note that, in order to keep premium costs at an affordable level, deductibles at the parish level are set at $2,500. The Diocese covers deductibles between $2,500 and $25,000 from its Insurance Reserve Fund.

All losses are to be reported to our current insurers, PBL Insurance Ltd., for monitoring purposes, and any major additions or deletions to buildings and contents are to be made known to them.

The contact person is Robert Fournier at 613-746-4383, Ext. 410.

Third party liability insurance
Since the diocesan insurance policy does not cover third party liability actions and claims, it is strongly recommended that any person(s) or group planning to use a parish facility for an activity or event not organized by the parish obtain insurance coverage if they do not already have a policy. Further information on what events require such coverage are contained in a clarification document (link below).
Pearson-Dunn Insurance & Financial Services Inc. provides coverage for such occasions. The reason for the comparatively low premiums is that this is a self-administered plan, which means the Diocese is involved in its operation. The way the plan works is as follows.

When a person or group not associated with your parish is about to rent or use your facilities (indoor or outdoor) for an event that your church is not sponsoring, you ask if they have "third party liability insurance".

• If the answer is yes, you request a copy of their insurance certificate, for your file
• If the answer is no, you should