Transcript Insurance and Risk Management

Insurance and Risk Management
Church Acquisition Conference
South 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 VAT
Make 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.
Frequently Asked Questions
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.
Volunteer Labour Coverage
(Construction)
• Accidental Death & Dismemberment
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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 Officer
oEstablish 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 Baptism
Man Grabbed Microphone While In Water
POSTED: 8:28 pm EST October 30, 2005
WACO, 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.
Thank You
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: [email protected]