Mandatory Insurance Requirements
Commercial General Liability (“CGL”) Insurance of $2,000,000 per occurrence (for low-risk Licensees) or $5,000,000 per occurrence (for high-risk Licensees), including:
- Tenant’s Legal Liability: coverage of not less than $250,000.00;
- Additional Insureds: both ‘The Incumbent and Churchwardens of…[insert the parish legal name]’ and ‘The Incorporated Synod of the Diocese of Toronto’ must be listed on the certificate of insurance as additional insureds.
For License Agreements, a standardized Diocesan “Certificate of Insurance” template is provided to help facilitate the interpretation of the insurance document received from a Licensee. If this form is used, it must be fully completed and signed/stamped by an authorized representative of the Licensee’s insurance company.
Low-Risk Licensees: Examples of low-risk activities include adult craft groups, adult social groups, AA, or NA groups. All low-risk activities require at least $2,000,000 per occurrence of CGL insurance.
High-Risk Licensees: All activities involving alcohol, children, youth (under the age of 18), or vulnerable adults require at least $5,000,000 per occurrence of CGL insurance. Other examples include: church groups, day cares or nurseries, dog training, and physical activities such as sports camps or gymnastics groups.
These insurance amounts ($5,000,000 for high-risk, and $2,000,000 for low-risk user groups) represent the per occurrence amount of CGL insurance required by the Trusts Committee of the Diocese in order to recommend to Diocesan Council approval of a License Agreement. Please note that it is also recommended that high-risk user groups carry insurance coverage for sexual abuse with limits as high as is possible to obtain, however, such insurance does not form part of the requirements of the License Agreement.
To help determine what is considered “high-risk”, please refer to the Responsible Ministry: Screening in Faith Policy or the “Assessing Risk” section of that program. The Sexual Misconduct Policy can be downloaded.
Aon Online User Group Insurance Program
Parishes may direct outside-user groups to Aon’s www.anglican-user.aon.ca to purchase low cost CGL insurance online ($5,000,000 per occurrence for high-risk, and $2,000,000 per occurrence for low-risk user groups).
On-line Program Information and Application: Aon User Group Application
For more information on the Anglican Church of Canada User Group insurance program, please contact Aon at firstname.lastname@example.org.