Policies usually offer cover on a fire and special perils basis, with accidental damage and/or subsidence as optional extensions rather than part of the standard cover.
Building fixtures, particularly lead and copper may be attractive to thieves. As such, insurers may restrict the extent of insurance cover for theft of external metal to a maximum amount, or apply the condition that SmartWater is applied and registered.
As Places of Worship are often open to the public while unattended, they are not generally subject to the usual requirement for violent and/or forcible entry or/exit to the premises. However, as individual contents may be of relatively high value, an “any one item” limit may apply, particularly in relation to sculptures and monuments.
- Loss of Business/Money
Serious property damage, for example caused by a major fire, could mean services cannot take place. Consequential losses could include lost income from service collections and make it impossible to hire out the premises.
Places of Worship will generally require Public Liability, Products Liability and Employers’ Liability Insurance in the same way as any other organisation. It must cover any volunteers. We can also offer advice on pastoral liability, errors and omissions, publisher’s indemnity and other issues.
- Trustees Indemnity
Under the provisions of the various Charities Acts, place of worship trustees may be held personally responsible, with unlimited liability, for any breach of duty on their part or that of their fellow trustees. There can be a wide variance in the cover provided by these trustee liability policies/extensions.
Specialist insurance can protect against damage to property as well as injuries to members of the public, with cover typically including:
- Property damage
- Theft of contents, glass and fixtures
- Public and employers’ liability
- Trustees indemnity
- Legal expenses
- Engineering risk
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