30 September 2019
Church events – your responsibilities
Whatever your church event - fetes, concerts, garden parties, you have a duty of care for employees, volunteers and those attending.
Community
Insurance for commercial organisations
Charities which are associated with the church and other groups within your community can purchase specialist insurance from Baptist Insurance.
Only pay for the cover you need
We know each organisation is different and has individual requirements, so our policy is flexible, meaning you only choose the cover that applies to your organisation.
Baptist commercial insurance product highlights
Baptist commercial insurance can include the following:
- Public liability - with a limit of £5million which can be increased upon request.
- Employer’s liability - for liability claims made by employees and volunteers.
- Property - protection for your premises, contents and stock in the event of fire, explosion, storm, flood, falling trees, vandalism, escape of water, vehicle impact and theft.
- Property damage plus - cover can also be extended for contents that are taken away from the premises.
- Business interruption - loss of income following an insured event under the Property Damage section of the policy. Cover includes increased cost of working lost due to the failure of public utilities, reinstatement of data, book debts and computers.
- Legal expenses - legal fees, compensation awards or appeal costs arising from a wide range of legal disputes. Legal fines cannot be covered by the policy.
- Money and assault - lost or stolen money from the business, anywhere in the geographical limits. Includes you, your employees and volunteers, suffering an assault during a theft of money.
Other optional covers include equipment breakdown, goods in transit and personal accident. Please read our Baptist commercial insurance policy wording for full benefits and exclusions of the policy.
FAQs
Is there any cover for loss of funds through fraud under the Baptist commercial insurance policy?
Yes, provided you have adequate controls in place to protect funds. Cover can be provided for loss of money or goods belonging to the organisation in the event of an act of fraud or dishonesty by any employee or authorised volunteer.
Why does a community group need insurance?
The organiser may be liable for any injuries or damage to property caused by the group's activities. Insurance can cover this cost as well as; valuable equipment and other property against loss or damage, or subscriptions and other money. Just let us know the details when you call.
Will we be protected if an authorised volunteer is injured whilst working for the charity?
Employers’ liability for charities covers your legal liability to pay damages and legal costs arising out an injury to an employee, including authorised volunteers, caused during the period of insurance.
The group meets on hired premises. Will the policy cover us for any loss or damage we may cause to those premises?
Yes, Baptist charity insurance policy will provide cover for your legal liability for accidental loss or damage to property hired by you at which you are carrying on your activities.