Insurance for Facility Rentals & One-time Events

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:

  1. Tenant’s Legal Liability: coverage of not less than $250,000.00;
  2. 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: Includes activities like 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 like 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 approval of a License Agreement to Diocesan Council. 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. You can also download the Sexual Misconduct Policy.

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.

Online 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 church.certs@aon.ca.