Our Service

Our experience and personal involvement with churches, fellowships and religious groups puts us in a position to give you advice and quotations on the best insurance policy suitable for the needs of your church.

The policies that we recommend give cover for buildings, contents, equipment, money, and liabilities where appropriate. In addition, cover is available for legal expenses and public liability for all activities, including youth activities anywhere in the UK. Cover for Minibuses is also available. Please let us listen to your requirements and discuss all your options with you.

Example of a typical package

Standard Cover:

Telephone Helplines available 24 hours a day, 365 days a year.

Emergency Helpline
Legal Helpline
Counselling Helpline

Buildings and Contents for loss or damage to property. The property can be covered for a wide range of events and can be extended to add the optional accidental damage cover.

Sums insured are index-linked so that they keep in line with inflationary pressures.

Buildings cover also includes:

Accidental breakage to fixed glass and sanitary fittings;
Stained glass up to £10,000 as standard, but higher limits are available;
Damage to grounds caused by the Emergency Services up to £10,000;
JCT Minor Building Works Clause 6.3B up to £100,000 contract price;
Theft of external metalwork up to £25,000 as standard, but higher limits are available;
Bequeathed property up to £100,000.

Contents cover also includes:

Frozen foods up to £1,000;
Fund raising events up to £5,000 for property at exhibitions;
Lock replacement up to £1,000 following theft of keys;
Members’ and visitors’ effects up to £500 per person;
Office equipment belonging to employees up to £5,000;
Ministers’ and Pastors’ books up to £2,500.

Loss of Income and additional expenditure following insured damage up to £25,000.

Money at the home of a church official or in transit up to £3,500 (increased to £7,000 on up to three special occasions). Also, loss by dishonesty of church officials up to £10,000.

Personal Accident Cover for church workers accidentally injured while engaged in authorised church activities up to £10,000.

Employers Liability for injury to employees and voluntary workers - indemnity limit £10,000,000.

Public and Property Owners Liability for injury to the public or damage to their property - indemnity limit £5,000,000.

Products Liability for goods sold or supplied - indemnity limit £5,000,000 in any one period of insurance.

Publishers’ Indemnity for libel, slander, infringement of trademark etc. arising from official church publications - indemnity limit £100,000 in any one period of insurance.

Pastoral Care for negligence in rendering pastoral care - indemnity limit £5,000,000 in any one period of insurance for injury to the public or damage to their property (£100,000 for financial loss in any one period of insurance).

Legal Expenses Protection for legal costs and expenses up to £100,000. Also employment compensation awards up to £1,000,000 in any one period of insurance.

Optional Cover

All Risks Section Covers property such as laptops, projectors, cameras either anywhere in the British Isles or Worldwide.

Child Care Activities after school care, nursery schools, playgroups controlled and managed by the church.

Electrical and Mechanical Plant or Heating Installation
Sudden and unforeseen damage.

Long Term Undertaking A long-term undertaking (LTU) is an agreement between you and the insurer to commit to renewing an insurance policy for a set number of years (typically 5) on the basis of the same rate and terms being applicable at the annual renewal date.  If the insurer breaks these, you are free to find alternative cover.

Trustees and Officers Indemnity Cover for trustees and officers and the church arising from wrongful acts or breach of trust/duty committed by them in their capacity as a trustee or officer of the church. Indemnity limits of £100,000 or £250,000 in any one period of insurance available. Higher limits can be catered for on another policy.