COVID-19 and your Baptist Church Insurance policy (December 2020)

23 December 2020

We appreciate this is a rapidly changing situation and we will continue to review our approach as appropriate. We will notify customers in the event there are any further changes to the enhancements.

In order to support customers during a period of uncertainty, we previously added some temporary cover enhancements and wanted to provide clarity on how our cover will respond moving forward. We have therefore updated the temporary cover enhancements we previously applied as follows: 

Employees (including church officials, members and authorised volunteers) working from home

Your church policy includes as standard, cover for contents whilst away from the premises and/or specifically at the homes of employees.

Liability - health and safety

Resources for employers are signposted by the Health and Safety Executive on their latest information and advice page. As organisations look to different working models for continuity, they also have useful guidance on homeworking and working alone.

Subject to the terms and conditions of the policy, both Employers’ and Public Liability policies provide an indemnity to the policyholder if they are held legally liable for accidental bodily injury or illness arising in connection with their business.

Churches that engage in emergency community support programmes or similar that help supply food and provisions to those affected by the movement restrictions

Your church policy includes as standard, cover for contents whilst away from the premises and/or specifically at the homes of employees.

Church premises that are temporarily closed solely due to the COVID-19 outbreak

Church buildings that are temporarily closed are exposed to different and usually greater risk than buildings that are open for regular use.

It is a condition of your policy that you advise us when the use of a building ceases on a temporary or permanent basis and we would then may apply restrictions in cover and conditions precedent to cover that need to be complied with. Normally we would also charge an additional premium.

However, we can confirm that temporary closure of your church buildings due to the COVID-19 outbreak would not result in us applying restrictions in your cover or charging any additional premium. We do however expect that you manage the risks associated with a closed building and we have therefore developed a guide to help you do this.

Outstanding risk improvements, periodic conditions and maintenance conditions

We temporarily suspended compliance with risk improvements by the deadline specified by us, and other policy terms requiring regular maintenance or inspection, where these could not be completed during the COVID-19 lockdown because of the restrictions on movement and/or the lack of availability of contractors.

With effect from 2/12/20 the suspension of compliance will cease. Any policy term that requires regular maintenance or inspection re-applies from 2/12/20.

If the re-set deadline is not sufficient for any reason please contact us immediately. 

We hope that this provides the reassurance you need in these unprecedented times. If you are unsure about any of the guidance or have any other questions relating to your church insurance please contact us on 0345 070 2223.