Whilst reviewing your insurance arrangements may seem onerous and time consuming, it is an opportunity to ensure your church is adequately protected, and that you are getting the best value for money. There are a few key steps that can help your church purchase the most appropriate and cost effective insurance policy:
Use a broker
An insurance broker should use their extensive market knowledge, contacts and access to a wide range of insurers to negotiate the best deal on your behalf. They also have more bargaining power than an independent church. This is particularly useful in the event of a claim. The broker gives neutral advice and support, and can use their experience to present your case to the insurers in the best possible way.
Sometimes some of the most obvious things in life are actually the most difficult to do. I find this quite often, especially when setting up marketing campaigns, because very often all you have to do is follow a very simple and commonsense plan of putting things together to make it work. Often you will find you have a mental block and this can be for a number of reasons including the fact that you might be an ideas person rather than a completer finisher. I was reminded of this when I was reading Matt Birds new book Relationology: 101 Secrets to Grow Your Business Through the Power of Relationships. This is the extract which caught my attention:
Access Underwriting has no connection with AccessBI
The Financial Conduct Authority has confirmed that they are investigating a firm called AccessBI Limited – you can read the news here: Insurance Age and here Post Magazine
As we are receiving calls from insurers and brokers, we confirm that Access Underwriting Ltd has no links, common directors and no connection with AccessBI Limited (Company No. 05837919) who are a subsidiary of Access Risk Management Group Limited (Company No. 06057474) and has placed no business with the group. We can assure all our clients that they have been placed with authorised insurers and that there is no reason to be concerned.
Charity Staff and Volunteers Awards – Charity Staff Foundation
We were delighted to sponsor the Charity Staff and Volunteers Awards, run by the Charity Staff Foundation. There were more than 700 amazing nominations for the 20 categories of awards. The award for the Volunteer Coordinator of the Year award 2014 was presented by Simon Hickman, our Managing Director.
The finalists were Sue from the Canal Rivers Trust, Catherine from P3 Social Inclusion Charity and Tricia from Time To Change. All three have made outstanding achievements for their charities.
Access Insurance have formed links to work closely with Churches Child Protection Advisory Service (CCPAS ), the Christian charity providing professional advice, support, training and resources in all areas of safeguarding children and vulnerable adults. CCPAS outlining what the charity does and how it can help other charities and churches:
Founded over 30 years ago, CCPAS exists to set (and maintain) standards in safeguarding. It is the only independent Christian charity providing professional advice, support, training and resources in all areas of safeguarding children and vulnerable adults.
When was your Church Safeguarding policy last reviewed?
In a busy church life, it is easy to forget about the need to regularly review and update your Safeguarding policies. Circumstances can quickly change within a church, whether through new activities, meeting facilities or people for example, leaving some safeguarding issues unaddressed.
By keeping Child and Vulnerable Protection policies regularly updated, not only helps to protect these individuals and the staff and volunteers that work with them, it fulfils insurer requirements in respect of the churches duty of care.
Demonstrating love for no reason, with no agenda is rare in society. But that’s exactly what The City Church in Canterbury and Whitstable sought to do one summer weekend, to be a blessing to the local community.
Over two days, teams of hundreds of volunteers went out into Wincheap area of Canterbury in bright red ‘Love Canterbury’ T-shirts responding to appeals for help. While one team cleaned the streets of litter, the other team visited the homes of those wanting help with painting, gardening and rubbish clearing – acts of kindness. Along the way, others stepped in to help them. The local B&Q store donated supplies so that one elderly man could have his home painted.
It is vital to get specialist advice to ensure that you are fully protected for the spiritual and emotional advice you provide. Whilst liability insurance can be purchased through numerous suppliers, some insurance policies will not extend to include pastoral care.
Pastoral care would include befriending, encouraging, listening and supporting both the church congregation and members of the public. It is used to help individuals through any season in their lives but should not be confused with counselling.
The word risk is used in a variety of contexts. But what does risk broadly mean from an insurance perspective? One definition is that risk is the likelihood of a hazard causing adverse effects as well as the impact of those effects. It is important to differentiate between risk and hazard. A hazard is a condition, situation or physical object that increases the likelihood and or severity of an event with an adverse effect. For example, a hazard could be a wet floor and the risk would be injury caused by slipping.
Organising events takes time and effort. In some cases it may involve weeks or even months of planning. There could be significant costs involved and,because of this, it is imperative that every aspect of the event is reviewed to ensure that the event is successful. As part of the process, it is prudent you ensure that adequate insurance cover and risk assessments are in place. It is important not to get caught out, especially when you are having to spend the last few days prior to the event ensuring that you have insurance cover in place to meet the requirements of a local authority or a venue.