Environmental & weather
Providing warm spaces
In response to the fuel crisis, many churches from all faiths are opening their buildings to provide a warm space to people experiencing fuel poverty.
Your responsibility for people on church premises
19 August 2022
An overview of your responsibilities for looking after people who visit your church premises and ensuring that they are kept safe.
Do we need a Health and Safety policy?
Where you employ five or more employees, you will need a written policy to meet legal requirements. If you have fewer than five, you do not have to have a policy in writing. However, this does not mean you are exempt from having one altogether. In these cases, you should be able to evidence the way you manage health and safety including how you provide information to workers.
If you have no employees at all, you do not need a health and safety policy under health and safety law. However, you should still be able to provide simple evidence briefly outlining how health and safety is managed at your church.
Further information and a basic template are available on our health and safety policy page.
Volunteers working on your premises
There is cover for volunteers, but you should ensure that they are not doing work of a hazardous or specialist nature.
For other tasks, you should take sensible precautions to make sure that volunteers remain safe. Where you have employees, you should generally afford the same level of protection to volunteers as you do to them. For example, this may mean that you have to provide them with relevant information, training or personal protective equipment.
What about volunteers using their own vehicles on church business?
This cover is not included in the Parishguard policy. Volunteers need to ensure their own motor insurance covers them for this use; most motor insurers automatically include this.
Outside groups using your premises
The public liability section of your policy covers hirers for occasional private social events. This applies only where no other insurance cover is in force.
There is no automatic cover under the church policy for outside organisations; however, most groups have their own public liability cover and you should seek written confirmation from them that they have appropriate cover.
Should we ask outside users to confirm they have safeguarding procedures in place?
In the first instance, refer to your Diocesan guidelines and/or Diocesan Adviser.
Documents
FAQs
What is liability insurance?
Liability insurance protects an individual, volunteer or organisation if they are held legally liable for personal injury or damage to property. Your policy includes both employers’ and public liability cover.
What is employers’ liability insurance?
This covers you if your PCC is legally liable to pay damages to an employee or volunteer who is injured whilst working on behalf of the church.
Much of the work undertaken at your church may be by volunteers; we regard them as employees for the purpose of insurance.
What is public liability insurance?
This covers you if your PCC is legally liable for injury to a member of the general public or damage to their property.
For example, if someone is injured whilst in your church or church hall, you may be held liable to pay damages to them, and any associated legal costs.
How much cover do we need?
The PCC is responsible for fixing the limit; however, for public liability we recommend a minimum of £5million and for employers’ liability £10million.
Do we need to have a safeguarding policy?
Any organisation that works with children and/or vulnerable adults must have a Safeguarding policy and undertake Disclosure and Barring Service (DBS) checks (previously CRB) on all eligible persons.
The PCC needs to ensure that it has adopted and applied the recommendations contained in the Church of England policies on Safeguarding. Your Diocesan Safeguarding Adviser will provide further guidance.
Is cover provided for incidents of abuse?
Your public liability cover will indemnify the PCC if it’s found to be legally liable for a bodily injury or illness to a person as result of abuse.
There would be no cover for the perpetrator of an incident of abuse. It is important that you operate within the guidelines of the Church of England; failure to do so may prejudice your insurance in the event of a claim.
Is there cover for church workers accused of abuse?
Your legal expenses insurance provides cover for legal costs associated with defending criminal prosecutions.
DAS Legal Expenses Insurance manages these claims on our behalf and it is vitally important that they are notified immediately of any such incidents.