We write a wide range of private academic institutions including boarding schools, both elementary and secondary (JK to Grade 12). These may be non-profit or for-profit organizations which can be either secular or religious. In addition, we will also consider writing community colleges, universities, schools for students with learning disabilities, business colleges, and public school boards. We will also consider licensed day-care, pre-school, and tutorial services (not in-home). Where applicable, institutions must be registered with their respective provincial or territorial ministry of education and must follow an approved curriculum.

Please discuss any risk you deem appropriate with a representative from one of our five regional underwriting centres.


Coverage is provided for losses caused by direct physical loss or direct physical damage arising from all risks, unless otherwise excluded. The base wording includes replacement cost, by-laws and debris removal with limits for each coverage falling within the overall property coverage limit on the policy. 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 Education Protect offering.

On Premises



Accounts Receivable $500,000
Additions Under Construction $500,000
Arson, theft, and vandalism reward $10,000
Automatic fire suppression system recharge expense $500,000
Bequeathed property $50,000 subject to maximum of $5,000 per item
Brands and labels $500,000
Building damage by theft $500,000
Computer system breakdown coverage $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
Growing plants, trees, and shrubs or flowers in the open $1,500 per item and $25,000 in the aggregate
Installation floater $500,000
Lock and key coverage $500,000
Metered water $500,000
Newly acquired contents at insured premises 25% of contents limit
Personal property of officers, employees, administrators, or teachers $10,000
Personal property of students and/or volunteers Maximum recovery of $250 per student / volunteer, $10,000 per occurrence
Pollutant clean up and removal $25,000
Private roadways, walkways, parking lots $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

Off Premises



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

Optional Coverage

( Subject to Underwriting Rules )

  • Course of Construction
  • Comprehensive Equipment Breakdown coverage including electronic circuitry impairment (TechAdvantage™)
  • Cyber cover
  • Flood & Earthquake
  • Sewer Back-Up

Business Interruption



Profits (12 month indemnity period with option to increase to 24 months)
90 or 180 Day Ordinary Payroll option
Extra Expense (no monthly limitation) $250,000
Interruption by Civil Authority 30 Days
Professional Fees $250,000
Expediting Expenses $250,000

Per Occurrence limits provided for each individual extension shown are subject to a maximum “basket” aggregate limit of $250,000 for all extensions combined:

Business Interruption Extensions



Infectious Disease, Murder/Suicide, Food Poisoning, Defective Sanitation & Vermin Evacuation Extension $100,000
per policy term
Leasehold Interest
Exhibition Expenses
Suspension Costs $10,000
per policy term
Temporary Storage Facilities 10%
of the limit insured or declared on the building(s)
Bomb Scare $10,000
per policy term
School Lockdown $10,000
Off Premises Power Interruption (24 hour waiting period) $250,000
Failure of Telecommunications Service Extension $10,000
per Occurrence
Contingent Business Interruption coverage $20,000

Limits provided are In addition to the Aggregate Per Occurrence limit provided in Business Interruption coverage:




Employee Dishonesty Commercial Blanket Bond (Form A) $100,000
Broad Form Money & Securities (In) $10,000
Broad Form Money & Securities (Out) $10,000
Money Orders & Counterfeit Paper Currency $25,000
Depositor’s Forgery $50,000
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
Addition of Volunteers as Employees
Special Events and Holiday Increase limits (50%) for Broad Form Money & Securities (In and Out)
Collection Boxes $50 per box, $1,000 per
policy term

Option available to purchase higher limits than shown above


  • Advertising Injury including Copyright, Plagiarism, and Domain Name
  • Blanket Contractual (Written) Liability
  • Bodily Injury and Property Damage on an Occurrence Basis
  • Broad Form Tenant’s Legal Liability ($1,000,000 – $1,000 Deductible)
  • Commercial General Liability (Nil Deductible)
  • Contingent Employer’s Liability
  • Contractual Liability – SEF # 96/QEF # 6-96
  • Cross Liability/Separation of Insureds
  • Defense Costs in Addition to Policy Limits
  • Employee Benefits ($1,000 Deductible)
  • Employer’s Liability (Maximum limit is CGL limit) – (Subject to underwriting rules)
  • Elevator Legal Liability
  • Hostile Fire
  • Incidental Medical Malpractice
  • Liberalization Clause
  • Liquor License Liability
  • Media Expense Endorsement ($50,000 annual aggregate)
  • Medical Payments (Including donation collectors) – $10,000 per person
  • Non-owned Automobile SPF # 6/QPF # 6 – (Maximum limit is CGL limit)
  • Non-owned Watercraft (Up to 8 meters in length)
  • Personal Injury
  • Physical Damage to Hired Vehicles – (All Perils $50,000 Limit – $1,000 Deductible – SEF # 94/QEF # 6-94)
  • Products and Completed Operations
  • Voluntary Compensation for Employees
  • Volunteers Included in Definition of Insured

Optional Liability Coverages


Up to $15,000,000
Occurrence Basis

For qualifying risks, 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).

Directors and Officers

Up to $15,000,000
Claims Made Basis


Errors and Omissions

Up to $15,000,000

Annual Aggregate limits with Defense Costs in addition to Policy limits

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.