Insurance for Facility Rentals & One-time Events

Rentals must have minimum insurance amounts for the Trusts Committee to recommend approval of your License Agreement to Diocesan Council.

Licensees must have Commercial General Liability (CGL) insurance of:

  • $2,000,000 per occurrence for low-risk licensees
  • $5,000,000 per occurrence for high-risk licensees

The CGL insurance needs to include:

  1. Tenant’s Legal Liability: coverage of not less than $250,000
  2. Additional Insureds: “The Incumbent and Churchwardens of [parish legal name]” and “The Incorporated Synod of the Diocese of Toronto” must both be listed on the certificate of insurance as additional insureds

For License Agreements, you can use the standard diocesan Certificate of Insurance template to help you interpret the insurance document you get from a licensee. If you use this form, it must be fully completed and signed/stamped by an authorized representative of the licensee’s insurance company.

It’s also recommended that high-risk user groups carry insurance coverage for sexual abuse with limits as high as is possible to obtain, but this insurance doesn’t form part of the requirements of the License Agreement.

High-risk vs low-risk

Low-risk licensees: includes activities like adult craft groups, adult social groups, AA or NA groups.

High-risk licensees: includes activities involving alcohol, children, youth (under the age of 18) or vulnerable adults, such as church groups, day cares or nurseries, dog training, and physical activities like sports camps or gymnastics groups

To help determine what’s considered “high-risk,” you can:

Aon Online User Group insurance program

A group that wants to rent your facility can get insurance directly from Aon. Upon payment, they’ll get an email with their certificate and receipt. (The system won’t send certificates to the church directly because they need to come from the applicant.)

Online program information and application: Aon User Group Application

For more information on the Anglican Church of Canada User Group insurance program, contact Aon at church.certs@aon.ca.