churchwardens workshop

Churchwardens Workshop

November 2012

ChancelRepairLiability

Don’tPanic

But do actAnd act now as CRL must be registered by

October 2013

Might there be a person or a body with CRL?

No – No action NeededYes – 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.

© Ecclesiastical Insurance Office plc 2007

Insurance MattersChurchwardens Workshop November 2012

Presented by Martin Barnard

Insurance Consultant and Surveyor

© Ecclesiastical Insurance Office plc 2007 11

Agenda

Basis of settlement

Overview of the insurance policy

Discounts and options available

General issues


Basis of settlementBuildings Pre 1920 – repair and

restoration Post 1920 – reinstatement

Contents New for old


Buildings – repair and restoration


Cover• Fire

• Storm

• Flood

• Malicious damage

• Accidental Damage

• Theft

• Earthquake


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


Cover Continued•Loss of money

•Personal Accident

•Legal Expenses


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


Discounts Protecting all stained glass

Fire alarm

Intruder alarm

If roof protected by an alarm theft of external metal cover is £10,000


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


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

.


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

General Issues


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


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

http://www.ecclesiastical.com/churchmatters


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 [email protected]

www.ecclesiastical.com

Martin Barnard - Call: 07771 913230Email: [email protected]

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.

mailto:[email protected]

http://www.ecclesiastical.com/

A Review of the Diocesan Context

Good Things315 Parishes

131 Stipendiary Parish Clergy77 NSM Clergy

18 House for Duty 20 Chaplains184 Readers

50 Ministry TeamsWardens,, Eucharistic Ministers, Open

the Book……

Good Things2149 Baptisms1018 Weddings2800 Funerals

53,000 Christmas Attendance 26,000 Easter Attendance

Good ThingsAnd on an Average Sunday

12,953 Adults and1,768 Children in Church

Sharing the transforming Gospel of

Jesus Christ with people in and around

Gloucestershire

Challenging Things

BuildingsMoneyPeople

Over the past 50 years funding parish clergy has changed completely:

1960s 2010s

Structural Deficitfor 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

2013: 6 5

If Parish Share does not increase:

2014: 8 12

“Support”Priests

2015: 10 16

Total Voluntary Income to PCCs

Gloucester 2006: £9.1m (PS; 57%)Gloucester 2010: £12.1m (PS; 46%)

If Parish Share had increased the same as voluntary giving to parishes it would

have been £6.9m

National Context

We can make the future different

Effective Ministry in Every Parish

Canon Andrew BraddockDiocesan Missioner

Changing Patterns of Ministry

How many multi-parish benefices are there?

Churches per Number of such multi-parishbenefice benefices in the diocese1 222 153 204 115 126 87 38 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

churchwardens workshop

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