Churchwardens
Workshop
November 2012
Chancel
Repair
Liability
Don’t
Panic
But do act
And act now as CRL
must be registered by
October 2013
Might there be a person or a
body with CRL?
No – No action Needed
Yes – who?
How to find out
•
DIY
•
Hire of professional
You do not need to
register CRL in all cases
Provided the PCC acts
responsibly there is no
need for concern.
Fees
Insurance Matters
Churchwardens Workshop November 2012
Presented by Martin Barnard
Insurance Consultant and Surveyor
© Ecclesiastical Insurance Office plc 2007
Agenda
Basis of settlement
Overview of the insurance policy
Discounts and options available
General issues
© Ecclesiastical Insurance Office plc 2007
11
Basis of settlement
Buildings
 Pre 1920 – repair and
restoration
 Post 1920 – reinstatement
Contents
 New for old
© Ecclesiastical Insurance Office plc 2007
12
Buildings – repair and restoration
© Ecclesiastical Insurance Office plc 2007
13
Cover
•
Fire
•
Storm
•
Flood
•
Malicious damage
•
Accidental Damage
•
Theft
•
Earthquake
© Ecclesiastical Insurance Office plc 2007
14
Cover continued
•Employers
Liability at
£10,000,000 – paid
employees and volunteers
•Public
and Products
Liability at £7,500,000 –
includes Church Trustee
Indemnity Cover
© Ecclesiastical Insurance Office plc 2007
15
Cover Continued
•Loss
of money
•Personal
•Legal
Accident
Expenses
© Ecclesiastical Insurance Office plc 2007
16
Exclusions
- theft from unlocked outbuildings
- general wear, tear and maintenance
- theft of external metal when scaffolding is erected
- theft of external metal is covered for £5000 any one
period of insurance for the theft plus £5000 for any
subsequent damage ie water ingress
© Ecclesiastical Insurance Office plc 2007
17
Discounts
 Protecting all stained glass
 Fire alarm
 Intruder alarm
 If roof protected by an alarm theft of external metal
cover is £10,000
© Ecclesiastical Insurance Office plc 2007
18
Insurance Options
•
Excess – higher excess means cheaper premium
•
Level sum insured – no average clause means
various levels of cover can be arranged – 100%,
75%, 50% and 25%
•
Payment can be made via a one off payment or by
an interest free payment plan spread over 12 months
© Ecclesiastical Insurance Office plc 2007
19
General Issues
•
No insurance implications if churches are left open
during day
•
Churches should be locked at night – if open during
the night there is an additional charge
•
SmartWater must be used and registered with signs
on display to comply with policy condition
•
Electrical installation must be inspected once every 5
years
•
Fire extinguishers present and serviced annually
© Ecclesiastical Insurance Office plc 2007
20
General Issues
 Lightning conductors need to be tested at least once
every 2 ½ years
 Photographic records of the church features should be
kept
 Safe keys need to be kept off site
 Health and Safety arrangements in place to include
Risk Assessments
 Consider risk assessments for lone working
 Tower Tours – need to inform Ecclesiastical
© Ecclesiastical Insurance Office plc 2007
21
General Issues
 Theft of lead still a concern – lead sheets, flashings are
taken as well as copper lightning conductor ribbons
 Fire Risk Assessment must be carried out and
documented in line with Regulatory Reform (Fire Safety
2005) Order
 Asbestos assessment must be carried out
© Ecclesiastical Insurance Office plc 2007
22
Further Guidance
•
local Insurance Consultant and Surveyor – currently
carrying out resurvey programme
•
Guidance Notes – Fire, Security, Church Functions
and Health and Safety
•
Church Matters website –
www.ecclesiastical.com/churchmatters
© Ecclesiastical Insurance Office plc 2007
23
If you need any help or support or think we can help,
please do contact us – our advice is free
Call 0845 777 3322 Email information@eigmail.com
www.ecclesiastical.com
Martin Barnard - Call: 07771 913230
Email: martin.barnard@ecclesiastical.com
Ecclesiastical Insurance Office plc. (EIO) Reg. No. 24869. Ecclesiastical Insurance Group plc. (EIG) Reg. No. 1718196. Ecclesiastical
Life Ltd. (ELL) Reg. No. 243111. Ecclesiastical Group Asset Management Ltd. (EGAM) Reg. No. 2170213. Allchurches Investment
Management Services Ltd. (AIMS) Reg. No. 2170173. Allchurches Mortgage Company Ltd. (AMC) Reg. No. 1974218. All companies
are registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ UK. Tel: 01452 528533. EIO, ELL, EGAM & AIMS
are authorised and regulated by the Financial Services Authority and are members of the Financial Ombudsman Service. EIO & ELL
are members of the Association of British Insurers and AIMS is a member of the Investment Management Association.
Ecclesiastical Financial Advisory Services Ltd.. Reg. No. 2046087. A member of Ecclesiastical Insurance Group of companies and the
Financial Ombudsman Service. Authorised and regulated by the Financial Services Authority.
© Ecclesiastical Insurance Office plc 2007
24
A Review of the Diocesan
Context
Good Things
315 Parishes
131 Stipendiary Parish Clergy
77 NSM Clergy
18 House for Duty
20 Chaplains
184 Readers
50 Ministry Teams
Wardens,, Eucharistic Ministers, Open
the Book……
Good Things
2149 Baptisms
1018 Weddings
2800 Funerals
53,000 Christmas Attendance
26,000 Easter Attendance
Good Things
And on an Average Sunday
12,953 Adults and
1,768 Children in Church
Sharing the
transforming Gospel of
Jesus Christ with people
in and around
Gloucestershire
Challenging Things
Buildings
Money
People
Money
Over the past 50 years funding parish
clergy has changed completely:
CC
Other
CC
1960s
Other
2010s
Structural Deficit
for the last 4 years
of
£800,000
What are we doing
Cutting central costs
£315,00 in 2013
and a further
£200,000 in 2014/5
If Parish Share does not increase:
“Support”
Priests
2013: 6
5
2014: 8
12
2015: 10
16
National Context
Total Voluntary Income to PCCs
Gloucester 2006:
Gloucester 2010:
£9.1m (PS; 57%)
£12.1m (PS; 46%)
If Parish Share had increased the same as voluntary
giving to parishes it would have been £6.9m
We can make the future
different
Effective Ministry in Every
Parish
Canon Andrew Braddock
Diocesan Missioner
Changing Patterns of Ministry
How many multi-parish benefices are there?
Churches per
benefice
1
2
3
4
5
6
7
8
Number of such multi-parish
benefices in the diocese
22
15
20
11
12
8
3
9
How do we sustain the parish as a
basic unit of mission and ministry?
How do we sustain the parish as a
basic unit of mission and ministry?
• Continue to grow the ministry of all
• Enable incumbents to provide strategic
leadership and oversight
• Develop the role of ‘local ministers’ as a
focus for the life of the local church
What is the role of a ‘local
minister’?
Working in collaboration with the incumbent
and with local teams, a local minister will be:
• A recognised focus for the life of the local
church
• An enabler of the whole church’s
engagement with the wider community
What qualities
would a local minister have?
Local ministers will be:
• People of prayer
• Encouragers of others
• Community gatherers
• Mission-minded
Who might be a local minister?
• A self-supporting priest, or someone offering for
this ministry
• A Reader, or someone offering for Reader
ministry
• A retired priest
• People offering as part of a local representative
team
• A church warden
What support will be given?
• Work with benefices in identifying ministry
needs and opportunities
• Training for incumbents and local ministers
adapted to local needs
• Support for nurturing gifts and vocations in
the life of the whole church
Effective Ministry in Every Parish
Working together to renew the mission and
ministry of the local church