from accessinsurance.co.uk

Category: News

Citizens Advice Bureau – New Office Insurance

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New Cuts beating Office Insurance launched for Citizens Advice Bureaux

Citizens Advice Bureau services are under financial strain as funding is cut.

We are helping CABx survive with our budget busting Charity Office Policy. However this is no “cheap” solution, but a quality one from an insurer with a reputation for Superior Claims Handling and Strong and Excellent Financial ratings from the agencies of A (Excellent) Syndicate rating from A.M. Best., A (excellent) from A.M. Best, A+ (Strong) from Standard & Poor’s and A+ (Strong) from Fitch.

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Health and Safety for Churches

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Why is Health and Safety Important?

Sometimes Health and Safety is seen as a taboo subject as the importance of it is not seen until there is an accident. It is important to have robust policies and procedures in place as the following details of one of our clients illustrates:

The problem started with a leak in the church roof. The church, a converted warehouse had damp patches on a suspended ceiling. After discussions between the Pastor and the Assistant Pastor, the Assistant Pastor went on the roof to identify the source. The leak was caused by deterioration of plastic around the screw heads holding the roof tiles in place. The Assistant Pastor climbed on the roof again a few weeks later to fix the leak. Whilst up there he stood on a skylight which he had thought to be just another roofing tile, the skylight gave way and he fell through the roof. He had no safety equipment and no risk assessment was performed for the job. He suffered a serious back injury and is now a paraplegic and dependent on a wheelchair.

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Saving money on Church Insurance

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How can your church save money on church insurance?

Over the past few years, we have witnessed parishes outgrowing their premises and have needed to move to more permanent locations. In line with the vision of many churches looking to extend their ministries to multi sites, you can read our case study on how we can help churches that are extending, buying or refurbishing their place of worship.

If you are renting your place of worship from a landlord, you may be required to contribute toward insurance costs associated to rebuild the property. In cases where the church is the sole occupant of the property, you may be permitted by your lease to outsource buildings insurance elsewhere whilst ensuring that any “interested parties” are noted in the insurance.

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How can your Parish save money on church insurance?

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How can your Parish save money on church insurance?

Over the past few years, we have witnessed parishes outgrowing their premises and have needed to move to more permanent locations. It is the clear the vision of the RCCG church to plant churches within five minutes walking distance in every city and town of developing countries and within five minutes driving distance in every city and town of developed countries. Read our case study on how we can help churches that are extending, buying or refurbishing their place of worship.

If you are renting your place of worship from a landlord, you may be required to contribute toward insurance costs associated to rebuild the property. In cases where the church is the sole occupant of the property, you may be permitted by your lease to outsource buildings insurance elsewhere whilst ensuring that any “interested parties” are noted in the insurance.

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Health & Safety for Churches

Businessman about to slip and fall on a banana skin

Why is Health and Safety Important?

Sometimes Health and Safety is seen as a taboo subject as the importance of it is not seen until there is an accident. It is important to have robust policies and procedures in place as the following details of one of our clients illustrates:

The problem started with a leak in the church roof. The church, a converted warehouse had damp patches on a suspended ceiling. After discussions between the Pastor and the Assistant Pastor, the Assistant Pastor went on the roof to identify the source. The leak was caused by deterioration of plastic around the screw heads holding the roof tiles in place. The Assistant Pastor climbed on the roof again a few weeks later to fix the leak. Whilst up there he stood on a skylight which he had thought to be just another roofing tile, the skylight gave way and he fell through the roof. He had no safety equipment and no risk assessment was performed for the job. He suffered a serious back injury and is now a paraplegic and dependent on a wheelchair.

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Trustee Liability and CIO’s

Legal liability of Trustees, new legal entities and insurance

The role of a Trustee is vital to the ministry of any church. However, Trustees often do not appreciate the personal financial risk that they carry by taking on this area of responsibility. There have been some changes recently which limit the liability of trustees and directors and these finally became a reality with the introduction of the Charitable Incorporated Organisation (CIO) in January 2013 after being introduced in the Charities Act of 2006. This 2006 Act, now replaced by the Charities Act 2011 also allows trustee indemnity insurance to be purchased by the charity, even if there is no power to do so in the governing document, providing it does not specifically prohibit the purchase.

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Helping a Community Church Project

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Helping a Church reach out to their Community

Churches within the Newfrontiers family continue to be involved with social action ministry. One such church, New Life Church Milton Keynes, has recently formed a new charity in partnership with the YMCA and Milton Keynes Council that seeks to provide shelter for homeless people within the Milton Keynes area.

Milton Keynes Winter Night Shelter, as it is now known, approached Access Insurance to arrange the appropriate insurances for the project following the winter shelter article in our November 2012 e-newsletter.

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Insurance for a Winter Shelter

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Looking to run a Winter Shelter?

The recent Newfrontiers Social Action Survey shows that many churches are involved in helping the homeless. If you are looking to run a Winter Shelter one of the first questions to ask yourself is ‘will our insurers allow us to cover Homeless Shelters on our existing insurance policy?’ Many insurers will agree to this request providing they have adequate information on the activities beforehand. To help you prepare for your homeless shelter, the main questions insurers will ask are:

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Boilers and Lifts Insurance

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Are your Boilers and Lifts covered?

What has Engineering Insurance got to do with Churches or Charities?

If you are responsible for a lift or boiler at your premises, you have a legal duty to comply with the relevant legislation set under Health and Safety.

The main legislation relating to this equipment is the ‘Lifting Operations and Lifting Equipment Regulations’ (LOLER) or the ‘Provision and Use of Work Equipment Regulations’ (PUWER).

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Buying, Extending or Refurbishing – Case Study

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Extending, Buying or Refurbishing a Church Building?

Read how we helped a church with their insurance requirements:

New Life Church, East Grinstead, is a church with a heart for the community. The name of their building, Jubilee Community Centre, represents the church’s desire to occupy a building and see it used for the benefit of East Grinstead and the outlying villages. Simon Elliott, lead elder, has carried the vision through years of searching for a building.

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