Churches face increasing exposure to different types of risk as they move beyond worship and fellowship to become involved in wider, community-based activities from after-school care through to pastoral care. Unfortunately, this places a greater burden on church officials to ensure that they have the correct insurance in place.
The church needs a comprehensive policy that can help safeguard it from such risks, ensuring that it is protected whatever may arise. The policy needs to be tailored to the specific needs of your church. The cover normally includes buildings insurance, property owners liability, contents insurance, employer’s liability (which covers volunteers as well as employees), public liability (including cover for Abuse claims), business interruption and money. There are a wide range of optional covers but the main ones include trustees indemnity, fidelity guarantee and event insurance.
We understand that many religious buildings are listed buildings and that in the event of a major claim they would need to be restored back to the present position – regardless of how difficult or expensive this can be.
Insurance costs can be a major expense for churches, so we work hard to ensure that the premium is always as competitive as possible.
For further information or advice about Church insurance or to get a quote, please contact us