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Insurance for church events...

  • We often organise events at the church and elsewhere. Are we covered?

     

    Yes. Your insurance automatically covers the PCC for any events you organise in the church or anywhere else. Typical church events like bring and buy sales, bazaars and flower festivals are all covered, but please do tell us if you are holding an event that could be dangerous, such as firework displays, clay pigeon shoots, rock climbing or abseiling. We can then give you more details about your cover.

  • We’re holding an event in someone’s garden. Will they be covered?

     
    If you’re holding an event at someone’s house, like an Open Gardens event or a prayer meeting, the homeowner won’t be covered. We recommend asking them to check if their own household insurance includes personal liability cover. Most normal household insurance policies do – and if they’re insured with Ecclesiastical they will certainly be covered.
  • Some of our church members can’t make their own way to church so volunteers go and pick them up in their own car. Are they covered?

     
    Anyone using their own car on behalf of your church should check with their personal insurers to find out whether they are covered. The driver of the vehicle will be liable for anything that happens, so we recommend they let their own motor insurer know that they’re offering lifts to and from church.
  • We’re hiring a bouncy castle for our Summer Fete. Are we covered?

     
    Bouncy castles are fun, but people do get injured on them. Make sure everything is safe by checking our advice. It’s also a good idea to hire a bouncy castle from someone who sets it up and manages it for the whole event. Check the hirer has their own public liability insurance, and ask for full instructions on how to use the equipment safely. If you follow their instructions, your policy will cover you.
  • We are holding a service on the village green. The council has asked us to check whether we have public liability insurance. Do we?

     
    Yes, your policy will cover you for any event you hold outside of the church, anywhere in the British Isles. We can even cover you abroad – call us on 0345 7773322 if you’d like to know more. Before any event we strongly recommend you carry out a risk assessment.
  • We often hire out the church / the church hall to groups outside the church. Do we need extra insurance?

     

    No, but it’s vital you check that the group hiring the building has its own public liability insurance that covers the event they are holding. If anyone is injured in the church due to negligence on the PCC’s behalf, you’ll be covered by your church policy, or by your church hall cover (if insured with us) if they’re injured in the church hall.

    You should make sure that the buildings are well maintained so that they’re safe for people to use. Carry out a risk assessment of the building and the activities that are planned, and if you identify any risks make sure you take steps to minimise them. You should carry out risk assessments regularly so you can be sure they’re up to date. Make sure to write everything down, as this could be used to defend the PCC against any claim.

  • We are hiring sound equipment and the owner has asked us to insure it while it’s in our care. How do we arrange cover?

     
    You might not need to, as your policy automatically covers hired equipment up to £1,000 for any single item and £10,000 for any event. If you need to arrange more cover than this, call us on 0345 7773322.
  • Our bell ringers travel to other churches, and we host visiting bell ringers too. Do we need to arrange special insurance?

     
    Your policy covers your bell ringers in the church and elsewhere, as long as they are acting for the PCC. It also covers visiting bell ringers if they are injured while they’re on the premises, and if the injury was due to the negligence of the PCC. It won’t cover them if they are responsible for injuring someone else, so it’s worth checking they have their own cover in place.
  • We want to run a coffee shop in the church. Do we need extra cover?

     
    Unless the coffee shop means there will be a lot more cash held at the church, or you’ll be serving a lot of hot meals on a regular basis, you probably won’t need any extra cover. If you are preparing and serving food you must train staff and volunteers in basic food hygiene and let your local council know. They’ll tell you whether you need to register as a food service provider. You might also want to read our advice on preparing food safely.
  • We are thinking of holding church tower tours to fund raise. Do you have any advice?

     

    The main reason tower tours are potentially very dangerous is that members of the public are being admitted to an area that they would not normally visit and are unfamiliar with. Towers were never designed to accommodate large numbers of people at the same time.

    However, where it is decided to allow this on occasions such as Heritage Open Days this checklist notes the main hazards and control measures that can be taken to reduce the risk.

Ecclesiastical Insurance Group plc (EIG) Reg No 1718196. Ecclesiastical Insurance Office plc (EIO) Reg No 24869. Ecclesiastical Life Ltd (ELL) Reg No 243111. Ecclesiastical Financial Advisory Services Ltd (EFAS) Reg No 2046087. Ecclesiastical Underwriting Management Ltd (EUML) Reg No 2368571. E.I.O. Trustees Ltd Reg No 941199. EdenTree Investment Management Ltd (EIM) Reg No 2519319. All companies are registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ. EIO and ELL are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 113848 (EIO) and 110318 (ELL). EFAS and EIM are authorised and regulated by the Financial Conduct Authority. Firm Reference Number 126123 (EFAS) and 527473 (EIM). EUML is an appointed representative of EIO who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 402228.