We write funeral service operations with licensed embalmers or licensed funeral home directors with in-force and valid licensing from the provincial authority having jurisdiction. These entities can be either on a non-profit or for-profit basis. The establishment will be primarily engaged in preparing the deceased for funeral services, visitation, interment or cremation, and conducting funerals either as a single location or multi-location entity covering operations within Canada only.
Please discuss any risk you deem appropriate with a representative from one of our five regional underwriting centres.
Property
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 Funeral Services Protect offering
On Premises
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 |
| 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
On Premises Enhancements
Extension |
Limit |
| Personal effects of the deceased | $25,000 per Occurrence subject to $50,000 for any one policy term |
| Preservation of the Deceased | $500,000 |
Off Premises
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.
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
Extension |
Limit |
| Profits and/or Rental Income | 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
Extension |
Limit |
| Infectious Disease, Murder/Suicide, Food Poisoning, Defective Sanitation, and Vermin Evacuation Extension | $50,000 per policy term |
| Leasehold Interest | $100,000 per Occurrence |
| Exhibition Expenses | $50,000 per Occurrence |
| Temporary Storage Facilities | 10% of building limit |
| Bomb Scare | $10,000 per policy term |
| Off Premises Power Interruption (24 hour waiting period) | $50,000 per Occurrence |
| Failure of Telecommunications Service Extension | $10,000 per Occurrence |
| Contingent Business Income | $20,000 per Occurrence |
Limits provided are In addition to the Aggregate Per Occurrence limit provided in Business Interruption coverage:
Crime
Extension |
Limit |
| Employee Dishonesty Commercial Blanket Bond (Form A) | $50,000 |
| Broad Form Money & Securities (In) | $10,000 |
| Broad Form Money & Securities (Out) | $10,000 |
| Money Orders & Counterfeit Paper Currency | $25,000 |
| Depositor’s Forgery | $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 |
| Addition of Volunteers as Employees | |
| Special Events and Holiday Increase limits (50%) for Broad Form Money & Securities (In and Out) |
Option available to purchase higher limits than shown above
Liability
- 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
Directors and Officers
Up to $15,000,000
Claims Made Basis
Umbrella
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.
