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Planning ahead is crucial

Attracting more visitors brings its own challenges. It is essential that heritage organisations regularly monitor activities to ensure that any changes to the way in which you operate are properly considered and assessed. As a specialist heritage insurer, we can assist you in identifying issues which increase your risk exposure, as can your broker.

Prevention, it’s said, is better than cure. Here are some of the precautionary actions that you should take to manage your risk.

Risk assessments

While risk assessments can take time, they’re not difficult. A thorough risk assessment can avert the easily preventable and sometimes not so obvious risk, which could lead to a liability claim in the future. The task of  carrying out the assessment can be shared, but should always be overseen by the person with overall responsibility for health and safety.

  • Ecclesiastical insurance  

    “Ecclesiastical has the expertise to defend the interests of our customers when the circumstances of a claim demand it. We also have a responsibility to ‘do the right thing’. As appropriate, claims are settled as quickly, ethically and fairly as possible. Our duty is to protect the interests of customers and sometimes this requires a more pragmatic approach to avoid creating precedents that could have a harmful impact on other customers in our niches. Our team of specialist claims handlers take such considerations into account when deciding the best way to proceed with any claim”.

    David Bonehill, Claims & Risk Services Director, Ecclesiastical


Ensure your employees are properly trained and that such training is recorded and regularly refreshed and updated.

Understand your requirements

On occasions it might be necessary for you to utilise the services of third-party contractors. In this case, make sure you appreciate what your respective responsibilities are, to avoid the possibility of inadvertently assuming some of the contractors’ obligations and potential liability, and ensure they have appropriate liability insurances in place.

Keep accurate records

Ensuring the organisation, in all its forms, has evidence and detailed records of any incidents, means that the validity of any potential claims can more easily be assessed. The Rules of Court mean that an injured party can often wait years before bringing a claim. So having a proper system for the long-term retention of records and other documentary evidence is essential.

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.