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, please ensure 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 is contained in a clarification document. We believe that this program offers great peace of mind to our parishes when offering their facilities for use by members of the community and to the individuals that will be using your facilities for their purposes.

Effective March 1st, 2015 the third party event insurance program, accessible to all parishes of the Anglican Diocese of Ottawa, is being handled by PBL Insurance Ltd in conjunction with Sports-Can Insurance Consultants Ltd.

Purpose of Coverage:
This insurance program offers liability insurance to third parties who are renting or using your facilities for an event, such as a meeting, reception, dance, etc. If someone was to become injured or if property damage was caused due to the event held, the third party may be found liable and may be responsible to provide compensation for the damage caused. It is important for the third party to be adequately protected against these devastating situations. This program offers an effortless and cost efficient avenue to obtain such insurance. Insurance under this program also protects your parish in the event that you suffer from property damage due to the use of your facilities and the third party is found liable.

Case Examples:

  1. A young couple (third party) rents the basement hall of your church to host their wedding reception. During the wedding reception, water is accidentally spilled on the floor and causes a guest to slip and become injured. The injured guest chooses to proceed with litigation against the couple for the injuries suffered. The couple's event insurance will respond to protect them.
  2. A quilting club uses your facility to have a quilting bee. One of the participants knocks over some candles while moving a quilt, causing a fire to your building. If the quilting club (third party) is found liable for causing the fire, the event insurance policy will respond, defend the claim for the damages to the building and pay resulting damages.

Process:
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 for $2 million".
  • If the answer is yes, you request a copy of their insurance certificate, for your file.
  • If the answer is no, you should:
  1. Have them complete the one page application form. Click here if you want to refer to samples of applications.
  2. Based on the information provided, refer to the rating guide to determine the premium chargeable for the event insurance. If the event includes serving liquor, a host liquor application form and additional premium will apply. Note that an 8% provincial sales tax must be charged in addition to the premium calculated. If you have any questions regarding how to calculate the premium, please contact Theresa Arsenault at PBL Insurance Ltd.
  3. The calculation, payment and copy of the application are to be sent to PBL Insurance Ltd.
  4. In the event of a claim resulting from an event, please contact PBL Insurance Ltd. in order to report the claim.

Note: If the event is of a special nature, such as a sport event; or if you have questions, please contact one of the following PBL Insurance representatives:

Robert Fournier
Account Executive Manager
613-746-4383 ext. 410
cell: 613-769-1964
rfournier@pblinsurance.com
Theresa Arsenault Commercial Lines Account Manager 613-746-4383 ext. 419 tarsenault@pblinsurance.com


Mailing address:
PBL Insurance Ltd.,
2 ch. Gurdwara Rd., Suite 610
Ottawa, ON K2E 1A2




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