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
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Basis of settlement Buildings Pre 1920 – repair and restoration Post 1920 – reinstatement Contents
New for old
© Ecclesiastical Insurance Office plc 2007
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Buildings – repair and restoration
© Ecclesiastical Insurance Office plc 2007
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Cover •
Fire
•
Storm
•
Flood
•
Malicious damage
•
Accidental Damage
•
Theft
•
Earthquake
© Ecclesiastical Insurance Office plc 2007
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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
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Cover Continued •Loss
of money
•Personal
•Legal
Accident
Expenses
© Ecclesiastical Insurance Office plc 2007
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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
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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
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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
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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
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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
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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
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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
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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 913230 Email:
[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.
© Ecclesiastical Insurance Office plc 2007
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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
