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Risk management People on church premises

A guide to people on church premises

Risk management People on church premises
An overview of your responsibilities for looking after people who visit your church premises.

Health and Safety policy

Where you employ five or more employees, you will need a written policy to meet legal requirements. If you have fewer than five, you do not have to have a policy in writing. However, this does not mean you are exempt from having one altogether. In these cases, you should be able to evidence the way you manage health and safety, including how you provide information to workers.

If you have no employees, you do not need a health and safety policy under health and safety law. However, you should still be able to provide simple evidence, briefly outlining how health and safety are managed at your church.

Further information and a basic template are available on our health and safety policy page.

Volunteers working on your premises

There is cover for volunteers, but you should ensure that they are not doing work of a hazardous or specialist nature.

For other tasks, you should take sensible precautions to make sure that volunteers remain safe. Where you have employees, you should generally afford the same level of protection to volunteers as you do to them. This may mean providing them with relevant information, training, or personal protective equipment.

Further information is available on managing volunteers.

Volunteers using their own vehicles on church business

This cover is not included in the Parishguard policy. Volunteers need to ensure their motor insurance covers them for this use; most motor insurers automatically include this.

Outside groups using your premises

The public liability section of your policy covers hirers for occasional private social events. This applies only where no other insurance cover is in force.

There is no automatic cover under the church policy for outside organisations; however, most groups have their own public liability cover. You should seek written confirmation from them that they have appropriate cover.

Frequently asked questions

Liability insurance protects an individual, volunteer, or organisation if they are held legally liable for personal injury or damage to property. Your policy includes both employers’ and public liability cover.

This covers you if your PCC is legally liable to pay damages to an employee or volunteer who is injured whilst working on behalf of the church.
 
Much of the work undertaken at your church may be by volunteers; we regard them as employees for insurance.
This covers you if your PCC is legally liable for injury to a member of the public or damage to their property.
 
For example, if someone is injured whilst in your church or church hall, you may be held liable to pay damages to them and any associated legal costs.
The PCC is responsible for fixing the limit. However, for public liability, we recommend a minimum of £5million and for employers’ liability, £10million.
Any organisation that works with children and/or vulnerable adults must have a Safeguarding policy and undertake Disclosure and Barring Service (DBS) checks (previously CRB) on all eligible persons.
 
The PCC needs to ensure that it has adopted and applied the recommendations contained in the Church of England policies on Safeguarding. Your Diocesan Safeguarding Adviser will provide further guidance.

In the first instance, refer to your Diocesan guidelines and/or Diocesan Advisor. 

Your public liability cover will indemnify the PCC if it’s found to be legally liable for a bodily injury or illness to a person as a result of abuse.
 
There would be no cover for the perpetrator of an incident of abuse. You must operate within the guidelines of the Church of England; failure to do so may prejudice your insurance in the event of a claim.
Your legal expenses insurance provides cover for legal costs associated with defending criminal prosecutions.
 
ARAG Legal Expenses Insurance manages these claims on our behalf. It is important that they are notified immediately of any such incidents.

Risk advice line

Customers can contact our experts for specific risk advice:

0345 600 7531

9am to 5pm Monday to Friday (excluding bank holidays)

Email us Find out more

Risk Management – Customer Opinion Results 2025, responses from 138 customers

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