Ecclesiastical has been insuring heritage buildings since 1887. Over that time, we have become the recognized experts at appraising, underwriting, restoring and rebuilding these storied structures.
Our Commercial Heritage product is designed to protect historic structures that do not align with our key target segments.
Please discuss any risk you deem appropriate with a representative from one of our five regional underwriting centres.
Broad Form coverage is provided for losses caused by direct physical loss or direct physical damage unless otherwise excluded.
The base wording includes replacement cost, by-laws and debris removal falling within the overall property coverage limit on the policy. With the unique construction features of a heritage building Ecclesiastical can assist in providing a valuation of the building.
Coverage is also provided for newly acquired buildings and contents at newly acquired locations ( $ 1,000,000 combined limit per term ).
The following extensions, which are in addition to the overall property coverage limit, are included as part of our base Heritage Protect product offering :
Extension |
Limit |
| Accounts Receivable | $500,000 |
| Additions Under Construction | $500,000 |
| Arson, theft, and vandalism reward | $10,000 |
| Automatic fire suppression system recharge expense | $500,000 |
| Building damage by theft | $500,000 |
| Computer system breakdown | $25,000 |
| Consequential loss assumption | $500,000 |
| Consequential loss assumption (off premises power) | $50,000 |
| Contingent liability from enforcement of building by-laws | $500,000 |
| Cost of preparing proof of loss | $500,000 |
| Crisis management | $10,000 |
| Emergency services damage to the grounds | $500,000 |
| Environmental upgrade | $25,000 |
| Fire department service charges | $500,000 |
| Installation floater | $500,000 |
| Lock and key coverage | $500,000 |
| Metered water | $500,000 |
| Newly acquired contents at insured premises | 25% of contents limit |
| Pollutant clean up and removal | $25,000 |
| Special event automatic increase | 25% of contents limit |
| Tenant’s glass | $500,000 |
| Valuable papers and records | $500,000 |
Per Occurrence limits are provided for each individual extension shown and are subject to a maximum “basket” aggregate limit of $500,000 for all extensions combined.
Extension |
Limit |
| Donated Goods while at the premises of employees or volunteers | $500 per item subject to $5,000 maximum at any one location |
| Property while at Exhibitions/Craft Shows/Concerts | $500,000 |
| Property in Transit | $500,000 |
| Property temporarily removed from premises/Unnamed Locations | $500,000 |
| Temporary accommodation for resident staff, storage & kennel accommodation for shelter animals | $25,000 |
Per Occurrence limits are provided for each individual extension shown and are subject to a maximum “basket” aggregate limit of $500,000 for all extensions combined.
Per Occurrence limits are provided for each individual extension shown and are subject to a maximum “basket” aggregate limit of $250,000 for all extensions combined.
Limits provided are in addition to the aggregate per occurrence limit provided in business interruption coverage
Extension |
Limit |
| Infectious disease, murder / suicide, food poisoning, defective sanitation & vermin evacuation | $50,000 per policy term |
| Leasehold interest | $100,000 |
| Exhibition expenses | $50,000 |
| Temporary storage facilities | 10 % of limit insured or declared on buildings |
| Bomb scare | $10,000 per policy term |
| Off Premises Power Interruption (24 hour waiting period) | $50,000 |
| Failure of Telecommunications Service Extension | $10,000 per Occurrence |
| Contingent BI coverage | $20,000 |
Extension |
Limit |
| Employee Dishonesty Commercial Blanket Bond (Form A) | $50,000 |
| Addition of Volunteers as Employees | |
| Broad Form Money & Securities (In) | $10,000 |
| Broad Form Money & Securities (Out) | $10,000 |
| Special Events and Holiday Increase limits (50%) for Broad Form Money & Securities (In and Out) | |
| Money Orders & Counterfeit Paper Currency | $25,000 |
| Depositor’s Forgery | $25,000 |
| Credit Card Forgery | $25,000 |
| Computer Fraud and Funds Transfer Fraud | $10,000 |
| Incoming Cheque Forgery | $10,000 |
| Auditors’ Expenses | $25,000 |
| Third Party Extension | $10,000 per policy term |
| Collection Boxes | $50 per box, $1,000 per policy term |
The following coverages are available as part of the package :
No Deductible
Up to $15,000,000
Occurrence Basis or Claims Made
Up to $ 15,000,000 Annual Aggregate limits for Compensatory Damages or Civil Defense Costs with extensions of coverage for Criminal Defense Costs ( $ 50,000 ) and No Fault Medical, Rehabilitation and Counselling ( $ 25,000 Per Claimant / $ 50,000 Annual Aggregate ) and Crisis Management Coverage Extension ($ 25,000 ).
Up to $15,000,000
Claims Made Basis
Ecclesiastical Insurance Office plc is a specialist provider of insurance solutions and services designed to protect and preserve
Canada’s distinct communities, cultures and heritage. Products or services may not be available for all organizations and
coverage is subject to the actual policy language issued to policyholders.
All rights reserved.
