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JDS Canadian Church Insurance


We Insure Churches in Every Province
Our Claims Offices are in All Major Cities
Additional Discounts For Packaged
AGC Churches
Southern Baptist
Brethren Assemblies
Canada Christian College Churches
Tyndale University Grad Churches
Salvation Army
Click here to download an application form which you can print,
or fill out on line, and email to
Quality Coverage
Church Insurance

There are many coverage's in our Church Insurance Package that are not listed in standard commercial policies. Many Boards don’t realize what is insured, until they have a major claim and find out that it is not covered in their policy.

Our package includes 45 important coverage's specifically for Churches and Charities. The following are the highlights

Get the Application Form for Faith Based Organization Program Insurnance.

Get the Application Form for Limited Abuse Coverage Insurance.

Churches Do Burn
Property Coverage's:
  • All Risk Building & Contents Coverage

  • Church Manse and Off Site Ministry Locations

  • Comprehensive Boiler and Machinery and Electrical Coverage

  • Computer and Media Coverage

  • Pastor and Teachers Personal Materials

  • Business Interruption & Rental Value

  • Broad Form Crime Coverage

  • Blanket Bylaws, Flood, Earth Quake, and Sewer Backup

Liability Coverage's
  • Counselors Malpractice including Pastors, Youth Pastors, and Elders

  • Sexual Abuse

  • Legal Defense Costs

  • Off Site Operations including Para-Church Ministries

  • Daycare , Day Camp, and Christian School Extension

  • Umbrella Liability

A Country Church

Sexual Abuse
  • Our Coverage is unique

  • It is written on a claims made policy

  • Vicarious Liability covered

  • $4 Million limit

  • Lower Unique Deductible

  • Broader definitions of abuse

  • No Fault Counseling is automatic coverage for abused person

Claims Prevention

We have developed a claims prevention program to assist you in reducing

  • Theft

  • Sexual Abuse

  • Slip and Fall claims

  • Vandalism

Yes, we want to sell you Insurance Coverage and Peace of Mind, but we also want to assist you in the area of Prevention.

Church Before Fire Church After Fire
Before After
Non-Profit Directors & Officers Insurance:

Church Trustees, Directors, and Officers can be personally held responsible for the decisions they make as a board for the church. Church Directors can be sued individually, and need this important coverage to for legal fees and other expenses. Our policy includes Broad Extensions of Coverage for:

  • Acts Committed by other directors, even if the director was not present at the meeting.

  • Discrimination against others because of their race, age, or sex.

  • Wrongful Dismissal.

  • Failure to properly protect the assets of the organization.

  • Wrongful Acts or omissions of directors committed while in the performance of their duties.

  • Failure to verify facts in official documents.

Sport Shield Accident Policy:

Our package can include accident coverage in the event someone at the Church is severely injured during a Church event. The policy will provide coverage for the loss of an eye, limbs, or life. (i.e. sporting event, helping with renovations, church youth retreat). Contact us for more information on this unique package.

Our Beliefs

For God so loved the world that he gave His only Son, that whosoever believes in Him, shall not perish, but have everlasting life.   John 3, Verse 16

Trust in God Completely.
Don't ever trust in yourself.
In everything you do, put God first and He will direct your path and crown your efforts with Success.
  Proverbs 3, Verse 8 & 9


Our 24 Hour claims offices are located in most major cities throughout Canada, and you can contact our office Toll Free 1-800-917-SAVE (7283).

If we insure your church, we will give the building a Free Loss Control Inspection. We will report if any changes should be made to increase safety and reduce claims.


Often the church board will take the cheapest quotation without realizing that they are foregoing essential coverage's.

Our unique package is both comprehensive, and competitive.

Other Nonprofit Insurance Packages:
Non-Profit Insurance Packages
  • Reasonably Priced Group Health and Dental Coverage

  • Pastors Term Life Insurance

  • Pastors Home and Auto Insurance Discounts includes Church Staff

  • Church Mission Team Group Travel Health Plan

Pastor's Shield Home & Auto Insurance

Talk to us about the special 15% to 20% Extra Discount we make available to Pastors and all Church Staff and Volunteers.

Our Home and Auto package with the special group pastor's rate is one of the most competitive in Canada.  It is only available to Ontario residents.

Please complete the application for a quote, listing your church in the comments section.

THE CHURCH SHIELD INSURANCE PLAN has been developed especially for Canadian Churches.
Our coverage's are unique to SHIELD and will give you the broadest coverage available in Canada.

We are licensed in all Provinces and will prepare a proposal for you to present to your leadership board.

Mark Smith
Mark Smith
Church Specialist

Contact our Church Insurance Brokers today for a quotation!


Get An Insurance Quotation Use the online form submission to provide basic information for a quote on Commercial, Church, Auto or Home Insurance.


Click here to download the complete Church Insurance Application Form, which you can print, fill out, and fax to us at 905-764-9618.
RIBO JD Smith & Associates Insurance Brokers Inc.
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
Tel: 905-764-7868
Fax: 905-764-9618
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