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Outside users
Letting your church and church hall

Hiring the premises

Many churches play a vital role in their community by offering their premises for hire to local clubs and classes. From concerts to community groups to youth clubs, providing a venue for these events can be a good source of income for churches. 

It is important to ensure that your premises are safe and suitable for the intended use and this should form part of your health and safety policy. You may find our template health and safety document template health and safety document for the letting of church premises useful. Whenever you hire out the premises, a formal booking agreement should be in place outlining the conditions of hire. As this is a legal document, your legal advisors should be able to help you with this. 

Public liability insurance 

Public liability cover under our Church Insurance policy will indemnify the trustees and deacons as property owners if held legally liable for accidental injury to members of the public or accidental damage to their property whilst the premises are being hired.  

Your insurance does not extend to indemnify the outside hirers.  

You need to make sure that any hirers have public liability insurance in place when using your building - whether they pay you rent, give you a donation or use the premises for free.  

Outside organisations which operate regularly will often have their own insurance cover in place. Any individuals who are hiring the premises for private events, such as birthday parties, should also have their own insurance cover in place for their activities and should check with their household insurer to ensure their cover would include the organising of such an event. 

Before letting a group use your premises, you should obtain written confirmation public liability cover is in place. Outside user groups who are uninsured should not be allowed to hire your premises.  

Loss of income 

Hiring the premises can be a good source of income for churches, however if the premises are seriously damaged, such as by a fire, normal use of the building may have to cease whilst repairs are undertaken. The church could lose income as a result of not being able to hire out your premises or incur additional costs in seeking alternative facilities to allow activities to continue. Cover for such  losses would be available under the Loss of income section available under our Church Insurance policy. 

Your policy schedule will confirm whether or not you have currently opted to include this cover. 

If you have any queries about hiring of church premises please call and talk to our team on 0345 070 2223
Talk to our team on 0345 070 2223
The Baptist Insurance Company PLC (BIC) Reg. No. 83597. Registered in England at Beaufort House, Brunswick Road, Gloucester, GL1 1JZ. The Baptist Insurance Company PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 202032.