churchwardens workshop november 2012. chancel repair liability
TRANSCRIPT
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.
Fees
© 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
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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 13
Buildings – repair and restoration
© Ecclesiastical Insurance Office plc 2007 14
Cover• Fire
• Storm
• Flood
• Malicious damage
• Accidental Damage
• Theft
• Earthquake
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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
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Cover Continued
•Loss of money
•Personal Accident
•Legal Expenses
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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 18
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 19
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
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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
.
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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
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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 24
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.
A Review of the Diocesan Context
Good Things315 Parishes
131 Stipendiary Parish Clergy77 NSM Clergy
18 House for Duty 20 Chaplains184 Readers
50 Ministry Teams
Wardens,, 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
Money
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