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

Effective December 1, 2022, The United Church of Canada launched an insurance program aimed at providing United Church ministries with more affordable and accessible property and liability insurance coverage.

While policy wordings and coverage are unchanged, we are changing the name to UCC Protect United since the whole church is joining or being invited to consider joining a shared participation together in risk management and affordability.

Please address e-mails for all insurance matters to uccinsurance@united-church.ca

Update: February 23, 2023

Existing UCC Protect Participants (through Hub and any local broker)

Almost 500 existing affinity program participants were transitioned effective December 1, 2022. To bind coverage, the insured must respond to the renewal quote e-mail by providing the required billing information via a secure online portal.  Pre-authorized payments are then drawn on the first of each month (with a catch-up if needed in the first month after information provided). For December renewals—as previously announced—policy certificates of insurance will be issued in early 2023.

Those with a March 1, 2023, renewal date will receive their renewal quote by e-mail in early March, and certificates of insurance will be provided to those renewing shortly thereafter. Policies will be issued for a nine-month period in order to bring all policies onto a December annual renewal cycle. This streamlines administration and negotiation of reinsurance rates.

Those with a June 1, 2023, renewal date will receive their renewal quote by e-mail in early May, with a goal of issuing certificates of insurance concurrently. Policies will be issued for a six-month period in order to bring all policies onto a December annual renewal cycle. This streamlines administration and negotiation of reinsurance rates.

For December 2023, we anticipate needing to pass on inflationary increases but still target considerable savings for participants from what they would otherwise pay. Renewals will be issued 30-45 days in advance together with the Certificate of Insurance.

New Entrants Seeking to Join UCC Protect United

New entrants previously required a current appraisal. Now the requirements are

  • a fully completed application (available online)
  • a copy of existing coverage summary including premium information, plus an appraisal if there is one

We ask for renewal premium because we want to offer a significant saving, but also to track the savings our program is delivering to congregations and other church ministries. Knowing this will help us better manage inflationary challenges and ensure sustainability going forward.

UCC Protect United insurance offers coverage to address the unique needs of congregations and incorporated ministries such as camps, seniors’ homes, and education centres. 

This plan is the only insurance program endorsed and funded by the General Council Office. HUB International has been the broker in the past but will now administer the arrangement for a fee, with brokers no longer involved. Currently about half of all United Church congregations have chosen this coverage.

See the Frequently Asked Questions for details on the transition from UCC Protect to UCC Protect United.

Coverage Highlights

For more detail, see the UCC Protect United Coverage Details.

  • Third Party Event Liability: Significant savings for our active congregations. This coverage is for groups and individuals holding meetings, events, or parties on the premises of churches/camps/outreach ministries. Contact HUB at 1-888-550-5458 or visit their website.
  • Commercial General Liability (CGL): Coverage for personal injury, property damage, advertising, and tenants’ legal liability; includes abuse, harassment, and counselling coverage.
  • Umbrella Liability: Provides increased liability limits above the Commercial General Liability coverage.
  • Crime: Coverage for employee dishonesty, loss of money, counterfeit currency, and cheque and credit card forgery.
  • Equipment Breakdown: Coverage for sudden and accidental breakdown of boilers, pressure vessels, air conditioning units, heat pumps, wiring, etc.
  • Property and Business Interruption: Coverage of all risks of direct loss or damage of property of every description, subject to exclusions. Gross earnings and payroll coverage is optional.

    Note: Property and Comprehensive General Liability insurance must be purchased by each church entity. There is now one specialty coverage applicable to all congregations in good standing on an umbrella basis funded nationally:
  • Directors’ and Officers’ Liability (D&O): Find out about this coverage provided by The United Church of Canada for ALL congregations, and download the current year's insurance certificate as well as FAQs on the D&O Liability Insurance page
  • Cyber coverage was available on an umbrella basis from April 2021 through July 12, 2022, but is no longer available. The insurer has chosen to no longer offer this coverage on a group basis.

No-Obligation Quote

At launch, there will be a very limited capacity for a no-obligation quote. New entrants will need to have has a property appraisal within the last three years. (See the Frequently Asked Questions for additional details.) When you do apply, please send the completed application (see Downloads below) together with the recent appraisal and details of existing coverage by mail, e-mail, or fax to UCC Protect United Service Team at Hub International:

Incident Report Claims Handling

Report all claims or any incident that might later give rise to a claim to:

For after-hours claims reporting 24/7: 1-800-668-6100


Please address e-mails for all insurance matters to uccinsurance@united-church.ca

Erik Mathiesen
Executive Officer, Finance
416-231-7680 ext. 4022
1-800-268-3781 ext. 4022

Maria Pimpinella
Program Assistant, Finance
416-231-7680 ext. 4147
1-800-268-3781 ext. 4147