Insurance and Risk Management

Church Acquisition ConferenceSouth England Conference

Location, location, location…!

•Public Transportation•Parking•Environment

Before You Buy…

• Ensure appropriate Structural Surveys have been carried out and reports are satisfactory.

• Ensure appropriate searches have returned satisfactory results.

How do I Value a building?

Measure the internal floor area of the building, multiply by number of floors.Multiply by local cost per meter2 for similar type of buildings in the area.Add a percentage for the clearance of debris following a loss.Add a percentage for professional fees and building taxes. New builds attract VATMake sure the insured building value keeps in line with inflation by applying an inflation index factor to the building value each year.

Quarterly Review of Building Prices

Contents Insurance

• Usually 10% of property value, unless exact values are provided.– Covers all contents, fixtures & fittings for

replacement value.– Excess (Deductible) £250

Off Premises (Inland Marine)• As Scheduled, for items of equipment

used away from church.– e.g. Video/data projector, PA system.– Details needed: Make/Model/Serial

#/Replacement Value.

When do I Commence Insurance cover of the building?

• Upon Exchange of Contracts

The building will be renovated, and will not be used during renovation, do I still need to Insure it?

• During renovations, Insure under “Course of Construction Insurance”.

• If using volunteers – Volunteer Coverage.

Frequently Asked Questions

Volunteer Labour Coverage (Construction)

• Accidental Death & Dismemberment– Age 16 – 65 $50,000– Age 66 - 70 $25,000– Under 16 /over 70 $10,000– Accident Medical $50,000– Dental $250 to Max $1,000– Weekly Accident Indemnity: After 1 days

disablement the lesser of (1) $300; or (2) 66 2/3 weekly earnings. Maximum 52 weeks.

• Cost:– $1.78 Per Volunteer Day (Without Travel Coverage)– $1.95 Per Volunteer Day (With Travel Coverage)

Money and Securities

• 30% of Contents Limit, while on premises and in Transit (Minimum Coverage £3,000)– Higher Limits on request (Maximum Limit

£100,000)

• In Transit– 100% of the first £15,000 of covered loss– 50% of covered loss above £15,000 subject to

plan limit.

• Collections - While in the home of Treasurer, prior to banking.

Control of Asbestos Regulations

2006

Asbestos

Asbestos

Control of Asbestos Regulations 2006

• Duty holder must have an asbestos policy in force

• Have a record, compiled by a "competent person" of all materials known to contain, or presumed to contain asbestos

• Should recognise that if disturbed or damaged by maintenance work or accident, that certain types of asbestos do present a significant risk to health.

Asbestos

• Take reasonable steps to find out if there are materials containing asbestos in non-domestic premises, and if so, it’s amount, where it is and what condition it is in;

• Presume materials contain asbestos unless there is strong evidence that they do not;

• Make, and keep up-to-date, a record of the location and condition of the asbestos containing materials – or materials which are presumed to contain asbestos;

• Assess the risk of anyone being exposed to fibres from the materials identified.

Asbestos

• Prepare a plan that sets out in detail how the risks from these materials will be managed;

• Take the necessary steps to put the plan into action;

• Periodically review and monitor the plan and the arrangements to act on it so that the plan remains relevant and up-to-date; and

• Provide information on the location and condition of the materials to anyone who is liable to work on or disturb them.

HSE guide “A short guide to Managing Asbestos in Premises” (INDG223)

Administrative Controls

Select Church Safety OfficeroEstablish Church Safety Committee

Fire and disaster drills First aid training

CHURCH SAFETY OFFICER

The primary goal of the Church Safety Officer is the prevention of accidents that might damage church property or result in injuries to church members and visitors.

CHURCH SAFETY COMMITTEE

Used in large churches to support the Church Safety Officer and assist in carrying out all elements of the loss control program for church activities.

ACCIDENT PREVENTION

• Perform inspections of the church premises

• Conduct Accident Investigations• Assist pastor and church board in

analyzing requests for field trips• Help establish a safe

transportation policy• Establish emergency plan and

conduct drills

Baptistry Safety

Pastor Electrocuted While Performing BaptismMan Grabbed Microphone While In WaterPOSTED: 8:28 pm EST October 30, 2005WACO, Texas -- Funeral services are pending for a Texas pastor who was electrocuted in front of his congregation Sunday morning while performing a baptism.

The Rev. Kyle Lake was standing in water up to his shoulders in the baptistry at University Baptist Church in Waco when he grabbed a microphone and was electrocuted.

Jamie Dudley, who is married to one of the church's other pastors, said doctors attending the service performed chest compressions on the 33-year-old minister until he was taken to a Waco hospital and declared dead.

The woman that Lake was baptizing was unhurt, she said.

Dudley said Lake, who had a wife and three children, had been at the church for nine years, the last seven as a pastor.

She said about 800 people attended the Sunday morning service, which was larger than normal because it was homecoming weekend at nearby Baylor University.Copyright 2005 by The Associated Press. 

Baptistry Safety• Electrical equipment and microphones

connected directly to mains electrical supply must not be used in baptismal pool.– Ensure electrical equipment cannot accidentally

fall into the pool– Electrocution risk from appliances in changing area

where persons will be wet following baptism.

• Risk of slips, trips and falls to persons coming out of the pool when very wet.– Handrails to assist getting in and out of pool;

required.– Area around pool should have slip resistant finish.

Baptistry Safety

• The Pastor is exposed to the risk of bending, and to some extent lifting.– Should receive some training in

manual handling techniques.– May be necessary for 2 people to

assist in the baptism.

• Cleanliness and temperature of the water needs to be considered.– Tested for biological contamination

such as Legionella.

Electrical Testing in Churches

Typical Causes of Electrical Failure:• Damaged insulation• Inadequate systems of work• Inadequate over current protection (fuses,

circuit breakers)• Inadequate earthing• Carelessness and complacency• Overheated apparatus• Earth leakage• Loose contacts & connectors• Inadequate rating of circuit components• Unprotected connectors• Poor maintenance and testing.

Electricity at Work Regulations 1989

Duty holders responsible for buildings to ensure the safety of all electrical systems:

• The Council for the Care of Churches recommends:

– Churches have electrical installations inspected and tested every 5 years.

– Carried out in accordance with IEE Regulations, Guidance Note #3, and inspection certificate obtained in every case.

– The certificate kept with church records.

• Switchgear in the church labelled to show date of most recent inspection and the date of the recommended future inspection.

Fan Heaters

Fan heaters are a serious fire hazard, and it is strongly recommended that alternative methods of heating are adopted.

If fan heaters have to be used, they must be included in a fire risk assessment.

Please look at website:http://www.churchsafety.org.uk/downloads/pdf/is_f_assess.pdf

Fire Extinguishers

• A reputable fire extinguisher maintenance company must maintain the extinguishers under an annual maintenance contract.

• Fire extinguisher training should be carried out.– Extinguisher supplier could be

called upon to demonstrate or– Local fire brigade

First Aid Training in Churches

In light of the wide range of youth work at your church, it is in your interests to ensure that there is always someone present with a recognised First Aid qualification.

We strongly recommend that this is implemented in order to safeguard the children under your care.

For more information please contact:

Mervyn Leicester

Field Service Manager

Adventist Risk Management

119 St. Peters Street

St. Albans, Hertfordshire

AL1 3EY

Telephone #: 01727 890794

Email: MLeicester@adventistrik.org

Thank You