Insurance solutions for retirement and long-term care facilities

At Ecclesiastical Insurance, we understand that operating a retirement residence or long-term care facility presents unique challenges. Among them, you must ensure the safety of your residents, staff, volunteers and visitors; protect your premises, contents and equipment; and provide clients with facilities, services and care that provide a comfortable and enjoyable quality of life. All this and more while keeping costs manageable.

As a leading Canadian specialist insurer, Ecclesiastical’s products and services are designed to meet your organization’s specific requirements. We recognize the need to balance budgetary constraints with sufficient insurance coverage. We also understand and want to help you avoid the sometimes-tragic consequences of underinsurance. We will work closely with you to provide customized and affordable insurance programs — programs that provide the most appropriate coverages for your current and evolving needs.

A custom-designed insurance product

Ecclesiastical’s Retirement Protect product has been developed with the input of customers to ensure that it meets the needs of your community. It delivers effective insurance protection by providing necessary coverages at competitive prices, including:

  • Property – All Risks
  • Business Interruption
  • Crime
  • General Liability
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Included Extensions

Retirement Protect also provides an occurrence-based ‘Basket of Extensions’ which is included as part of our base program


On- and off-premises extensions include:

  • Personal property of residents
  • Building by-laws
  • Crisis management
  • Pollutant cleanup and removal
  • Spoilage of medication and food

Loss of Income

  • Cost of temporary accommodation for resident staff – including furniture storage and kennel accommodation for dogs and cats
  • Evacuation of premises due to infectious disease, murder/suicide, defective sanitation or vermin
  • Off-premises power interruption


  • Employee dishonesty
  • Credit card forgery
  • Computer fraud and funds transfer

Volunteer Protection

  • Personal property of volunteers
  • Additional cost to attract volunteers following
    a loss

Value-added services

At Ecclesiastical, we understand that running an organization is complicated at the best of times.
So we’re always on the lookout for value-added services that can help our customers avoid unnecessary hardship and costs.


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Unlimited access to experienced lawyers

With LegalConnex, our customers can take advantage of unlimited, cost-free telephone access to experienced lawyers. LegalConnex service lawyers are ready to provide legal information and practical solutions to the legal issues of our customers.


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Unlimited access to experienced counsellors

With ProfessionalAssist, our customers’ leadership has unlimited, free telephone access to experienced counsellors who can help identify the root causes of workplace problems, suggest suitable next steps, and identify other pertinent resources.


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Unlimited access to experienced HR professionals and lawyers

With HRAssist, our customers can take advantage of unlimited, cost-free, confidential telephone access to experienced HR professionals and lawyers to get advice and assistance on HR-related workplace issues.

Optional Coverage

Care Home Administrator’s Errors & Omissions

Covers your liability resulting from professional incidents on an occurrence basis

Directors and Officers Liability

Covers the legal liability of Directors and Officers arising out of their fiduciary responsibilities

Comprehensive Equipment Breakdown

For boilers and other heating, cooling, and electrical equipment


Including legal liability, civil and criminal defense costs on an occurrence basis

Umbrella Liability

We offer high liability limits for protection against unforeseen catastrophic events


First and third party coverage for data breach and cyber attack

coverage details
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