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UCC Protect United is designed for the unique exposures faced by the church.

UCC Protect United is the insurance program endorsed by the General Council Office to support United Church congregations and incorporated ministries in managing risk and controlling insurance costs. Launched in 2022, the program provides a stable, church‑specific insurance solution that reflects the unique exposures faced by United Church ministries.

All policies renew annually on December 1.

The program is administered by HUB International, which maintains current forms, applications, and service information on its dedicated UCC Protect webpage.

Congregations apply directly to HUB rather than through local brokers.

Why UCC Protect United?

United Church congregation trustees are responsible for ensuring adequate insurance is in place to protect congregation assets. UCC Protect United was created to:

  • provide competitive, stable insurance pricing;
  • ensure continued access to coverage in a challenging market;
  • offer church‑specific risk management guidance; and
  • streamline service through dedicated HUB support teams.

Approximately half of all United Church congregations currently participate in the program.

New Entrants

Congregations seeking to join UCC Protect United must submit:

  • a fully completed application form (available on the HUB site);
  • a copy of existing coverage summary including premium information; and
  • an appraisal, if one exists.

Renewal premium information is requested to help track savings delivered by the program and support long‑term sustainability.

Coverage Overview

UCC Protect United offers property and liability coverage tailored to congregations and incorporated ministries such as camps, seniors’ homes, and education centres.

For detailed coverage descriptions, FAQs, and all operational forms, visit the UCC Protect webpage.

Nationally Funded Coverages (available to ALL congregations)

These coverages are provided by the national church at no cost to congregations.

Directors & Officers Liability Insurance (D&O)

This policy protects directors, officers, trustees, volunteers, employees, and committee members for personal liability arising from alleged negligence, misstatements, or breach of duty. 

Coverage includes exposures such as:

  • wrongful dismissal;
  • employment practices;
  • contractual obligations; and
  • general safety and well‑being of employees and members.

Annual limits: $10 million per claim / $25 million aggregate | Renewal date: December 1

Downloads (updated annually):

Cyber Insurance

For churches requiring full cyber insurance, HUB can provide a tailored quote.

Contact: hackbusters@boxxinsurance.com 1‑855‑310‑CYBR

Third‑Party (Renter) Insurance

To support congregations and their tenants, the national office has arranged a 24/7 online facility for renters to purchase event liability insurance. 

This coverage is intended for individuals or groups hosting meetings, events, or gatherings on church premises.

Online purchase portal (Instant Risk Coverage) 

The United Church of Canada website will maintain annual versions of:

All operational forms (applications, renewal forms, claims reporting, proof of insurance, etc.) will be accessed through HUB’s UCC Protect site.

Downloads