Comprehensive and Flexible Protection

In OneBeacon’s premiere solution for houses of worship, cemeteries and mausoleums you’ll have flexible, tailored insurance when you require it. By selecting from our combination of standard and optional coverages you can shape the protection that best meets your particular needs.

Coverage can include …


Business personal property

Exterior and interior building glass (except stained glass, art glass or cut glass)

Appurtenant structures – 10% of Building limit, to $10,000

Increased cost of construction from ordinance or law - $10,000

Outdoor property - $25,000

Money and securities - $10,000 (amount doubled for houses of worship during religious holidays)

Foundations – included in Building coverage and limit

Additional insured – charitable institutions (not-for-profit operations only)

Additional insured – congregation members and officers (houses of worship only)

Trustees, members of board of governors, clergy, officials, volunteer workers – added to Employee Dishonesty coverage (for houses of worship only)

Most OnePac policies include replacement cost coverage without coinsurance and all-risk property coverage, plus coverage for equipment breakdown and business income.

What’s more, you can take advantage of the OnePac Extender, a prepackaged selection of policy extensions to provide coverage for accounts receivable, electronic equipment and software, property in transit, valuable papers and much more. Check with your OneBeacon agent for a complete list of extensions and limits.

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.

To help you protect your church, synagogue, mosque, cemetery or mausoleum, we’ll be there before — and when — you need us with local underwriting expertise, a focus on loss prevention and superior claims service.

Superior Service

Obtaining the right coverage is only the first step. You’ll also get proactive risk management support and responsive claims service with OnePac.

Building safety into your business is the best way to protect it. Working from sound risk-management strategies, OneBeacon risk control experts can help you establish a wide range of safety practices, including ergonomics, fire protection systems and procedures, wind and weather risks, security of business property and disaster management.

OneBeacon’s local presence means we’re there when you need us to promptly resolve claims. Our community-based claims adjusters and after-hours and weekend reporting capability are just some of the ways we ensure that your business returns to normal as soon as possible if you suffer a loss.

Why OneBeacon

Our broad business appetite. As your company grows, we can continue to meet your needs with products and programs designed for mid-sized operations.

Local staff with expertise — and an interest! — in your market

Proactive risk control focused on loss prevention

Fair and expedient claims

resolution Equally important is our unwavering commitment to working with local independent insurance agents. The professional planning and risk assessment expertise they provide early on — along with our marketplace knowledge — result in the customized insurance solutions your business needs.


About OneBeacon

Headquartered in Boston, Massachusetts, OneBeacon Insurance Group is committed to being the leading independent agency property/casualty insurance group in the Northeast and for selected specialty businesses. With roots dating back 170 years and an A.M. Best rating of A (excellent), OneBeacon offers a wide range of personal, commercial and specialty products and services, which are sold through select property/casualty independent agents. Specialty operations are conducted on a national basis.

OneBeacon Insurance Group is wholly owned by White Mountains Insurance Group, Ltd., of Hamilton, Bermuda. White Mountains’ principal businesses are conducted through its subsidiaries and affiliates in the business of property/casualty insurance and reinsurance. The company is publicly traded on the New York Stock Exchange under the symbol "WTM."

For more information about OneBeacon, or our products and services, contact your local independent agent, or visit

OneBeacon Insurance One Beacon Street Boston, Massachusetts 02108-3100

© OneBeacon 2003

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