summary of cover CHURCH INSURANCE Northern Ireland Version 1

Transcription

1 summary of cover CHURCH INSURANCE Norther Irelad Versio 1

2 Cotets Itroductio 3 Property damage 4 Loss of icome 9 Moey 10 Theft by officials 11 Liabilities 11 Legal expeses 14 Persoal accidet 15 Geeral iformatio 16 Uoccupied buildigs 16 Excesses 16 Fud-raisig evets ad special activities 16 Cacellig the policy 16 The law applicable 16

3 CHURCH PROTECTION SUMMARY OF COVER 3 This is a summary of the cover provided by the Ecclesiastical Isurace Office plc Church Isurace policy. The policy will cover Your buildigs. Your cotets ad persoal effects. Your cosequetial losses. Your moey. Your losses followig theft by officials. Your legal liabilities towards employees, authorised voluteers or members of the public followig a accidet. The Church policy is desiged to provide the best cover available. This booklet provides a summary of the mai features provided by our stadard policy. To eable you to judge the value of our policy we have metioed the exclusios that are importat for you to kow. I a summary of cover, however, it is impossible to list i detail all the terms ad coditios that may apply. Our policy booklet is available o request if you would like to check the cover fully. Legal expeses isurace, to protect your positio o a rage of legal issues. You, your employees or authorised voluteers beig uable to work because of a accidet. I additio Our Isurace Cosultats ad Surveyors will be happy to talk to you about the optios available if fuds are limited.

4 4 SUMMARY OF COVER CHURCH PROTECTION Property damage Features ad beefits Sigificat exclusios ad limitatios The stadard cover uder this sectio is extesive. Uless we agree a more limited arragemet with you, this sectio covers your buildigs ad cotets agaist a wide rage of isured evets such as fire, malicious persos, storm, flood ad theft. Subsidece cover is provided for parochial resideces. excludig wet or dry rot excludig subsidece, heave or ladslip (except parochial resideces) excludig loss of or damage to cotets i ulocked buildigs due to theft or malicious persos excludig ay value attached to a item of cotets by reaso of its atiquity Theft (icludes walk-i theft). 25,000 for ay oe item of cotets Restrictios apply for theft of exteral metal Please cotact us if you eed further iformatio or check your curret schedule Accidetal damage icluded as stadard, i the premises or i certai circumstaces whilst temporarily elsewhere i the UK, Republic of Irelad, Chael Islads ad Isle of Ma. Sums isured The sums isured will be the most we will pay For buildigs the sum isured should represet a assessmet of the cost, usig moder techiques ad materials of restorig or repairig the buildig, or replacig the property with a moder equivalet, icludig a allowace for fixtures ad fittigs, heatig ad lightig istallatios, widows, boudary walls, feces ad gates, outbuildigs, extesios, orecoverable VAT, architects', surveyors' ad cosultig egieers' fees, the cost of debris removal ad of meetig public authority requiremets. Church buildigs icludes screes, bells, all paved areas ad stoe ad timber fixtures such as pulpits, pews ad fots. Also, tombs, moumets, memorials or shries withi the buildig. 25,000 for each tomb, moumet, memorial or shrie withi the buildig.

5 CHURCH PROTECTION SUMMARY OF COVER 5 Features ad beefits Sigificat exclusios ad limitatios For cotets the sum isured should represet the total replacemet cost without makig ay deductio for wear, tear ad depreciatio (except for persoal effects ad clothig). Optios All risks cover You ca have additioal all risks cover for specified items aywhere i the Uited Kigdom or worldwide by specifically isurig them uder the Property damage plus sectio of the policy. Special features Features ad beefits Archaeological rescue Covers archaeological costs that may follow a isured evet e.g. the aalysis by the coservatio bodies of the origial fabric of the buildig should it become exposed by the damage. Costs must be ecessarily ad reasoably icurred as part of the repair, with our prior agreemet. Sigificat exclusios ad limitatios We will pay for these costs as far as the sum isured will allow, plus a additioal amout of 250,000 ay oe claim excludig aalysis of udamaged portios excludig ay below-groud excavatios Plaig (Listed Buildigs ad Coservatio Areas) Act 1990 Provides for the costs of meetig coditios made by your local authority uder this legislatio, or its equivalet i Scotlad ad Norther Irelad, after a isured evet. 20% of the buildigs sum isured The requiremets of the plaig authorities caot be predicted with certaity. The costs we will pay are i additio to ay cover that ca be provided withi the scope of the buildigs sum isured.

6 6 SUMMARY OF COVER CHURCH PROTECTION Features ad beefits Property i the ope This icludes moumets that are your property, garde fixtures, exteral lightig, security equipmet ad law mowig equipmet. Sigificat exclusios ad limitatios 5,000 ay oe claim excludig theft of law mowers (other tha large chai mowers) whe ot i use uless cotaied i a locked outbuildig excludig storm ad flood Commuio plate is covered aywhere i the UK, Republic of Irelad, Chael Islads ad Isle of Ma. s 25,000 ay oe period of isurace ad 15,000 ay oe item Office equipmet i the out-of-premises office or i the home of a employee or resposible represetative. 10,000 ay oe claim Musical istrumets ad other portable items, whilst i the care of employees, church members ad authorised voluteers i the UK, Republic of Irelad, Chael Islads ad Isle of Ma. s 1,000 ay oe item ad 10,000 ay oe claim Clothig ad persoal effects of employees ad voluteers (ad visitig clergy ad choristers) whilst egaged o your busiess or activities. Also, the property of ay member of a party travellig with your authority o a tour orgaised by you. s 1,000 per perso 100 per perso Raffle prizes ad doated goods are covered aywhere i the UK, Republic of Irelad, Chael Islads ad Isle of Ma. s 1,500 ay oe item ad 5,000 ay oe fud-raisig evet Exhibitio property ad marquees Cover for marquees ad other items ot belogig to you but for which you are resposible. s 1,000 ay oe item ad 5,000 ay oe exhibitio, festival or evet

7 CHURCH PROTECTION SUMMARY OF COVER 7 Features ad beefits Headstoes ad moumets if ot your property, but withi your premises or churchyard. Covers the cost of makig them safe followig the evets you have isured agaist uder the Property damage sectio e.g. storm or malicious damage. You must seek to recover your outlay from the owers of the property, i the first istace. Sigificat exclusios ad limitatios 1,500 ay oe period of isurace Buildig works Whe you sig a cotract for buildig works, this extesio provides you, free of charge, with the cover you eed to comply with your isurace obligatios as the employer. It icludes your obligatio to isure both the ew works ad the existig premises i the joit ames of yourself ad the cotractor. For this extesio to be i force, you must iform us about ay buildig or repair works ad whether or ot you ited to close the premises 100,000 ay oe project for the ew works ad site materials The policy sums isured will apply i respect of the existig buildigs ad cotets Subject to a 250 excess (uless a higher excess already exists for the isured evet i questio) excludig ay loss of exteral metal occurrig whe scaffoldig is erected at the premises Bequeathed property s 250,000 for bequeathed buildigs 5,000 for ay other bequeathed item Hired-i property Additioal cotets cover for property hired-i 10,000 ay oe claim excludig property hired-i for exhibitios, festivals or evets Capital additios Cover for alteratios ad additios ad ewly acquired property, provided you otify us of the chage as soo as practicable to allow ay additioal premium to be calculated. 650,000 ay oe situatio

8 8 SUMMARY OF COVER CHURCH PROTECTION Features ad beefits Loss of LPG Covers the cost of replacig liquid petroleum gas followig accidetal discharge from a storage cotaier. Sigificat exclusios ad limitatios 5,000 ay oe period of isurace Loss of oil Covers the cost of replacig oil stole from a locked storage tak at your premises or accidetally discharged. s 5,000 ay oe period of isurace for theft of oil The policy sums isured will apply i respect of accidetal discharge Loss of metered water Covers the cost of accidetally discharged metered water. The policy sums isured will apply Discharge of oil Covers clea up costs followig discharge of oil. 5,000 ay oe claim

9 CHURCH PROTECTION SUMMARY OF COVER 9 Loss of icome Features ad beefits Covers cosequetial losses that arise whe the premises are closed for repairs, followig damage isured uder the Property damage sectio. Sigificat exclusios ad limitatios 50,000 ay oe evet For example, you may lose icome from service collectios, or you may be uable to hire out the premises to other orgaisatios. I additio, cover is provided for costs you icur i resumig your activities such as the cost of hirig alterative premises or equipmet. Special features Features ad beefits Archaeological digs We will pay the additioal amout if a loss uder this sectio is icreased followig archaeological discoveries. Sigificat exclusios ad limitatios Overall, the Loss of icome sectio sum isured will apply Other veues Covers your lost icome or icreased costs if damage occurs at aother veue where you are holdig a fud-raisig evet, exhibitio or church activity. 10,000 ay oe claim

10 10 SUMMARY OF COVER CHURCH PROTECTION Moey Features ad beefits For o-egotiable moey e.g. crossed cheques ad postal orders. Sigificat exclusios ad limitatios 250,000 ay oe loss Loss of moey i trasit or i a bak ight safe. 5,000 ay oe loss Loss of moey while beig couted or i the home of a authorised official or employee. 5,000 ay oe loss Loss of moey from a locked safe o the premises. 5,000 ay oe loss Ay other loss. 500 ay oe loss Special features Features ad beefits Sigificat exclusios ad limitatios Religious festivals All the above limits (except o-egotiable moey) are doubled for the period from two days before to seve days after Christmas Day or Easter Suday. Fud-raisig evets All the above limits (except o-egotiable moey) are doubled for the period from two days before to seve days after a fud-raisig evet. Damage to clothig ad persoal effects of employees or authorised officials as a result of theft of moey. 1,000 per perso

11 CHURCH PROTECTION SUMMARY OF COVER 11 Theft by officials Features ad beefits Provides cover for loss of moey caused by theft ad also ay auditors fees icurred with our writte coset. Sigificat exclusios ad limitatios 10,000 ay oe claim. Liabilities Features ad beefits Employers liability Provides you with the isurace cover you must have by law for accidets to or illess of employees, icludig authorised voluteers, sustaied i the course of their employmet. Sigificat exclusios ad limitatios 10,000,000 ay oe evet Icludig legal costs ad expeses As required by law we will supply a Certificate of Isurace which should be displayed i a promiet place ad after expiry retaied i compliace with the Employers Liability (Compulsory Isurace) Regulatios Public ad products liability Covers your legal liability for accidetal bodily ijury to persos other tha employees, or for damage to their property. Icludes liability i coectio with buildigs temporarily occupied by you for a special occasio, evet or activity. The stadard idemity limit is 5,000,000 Public liability cover is for ay oe evet Products liability cover is for ay oe period of isurace Except for the USA ad Caada, legal costs ad expeses are covered i additio to the limit of idemity Optioal extesio If you require a quotatio for this optio you will be asked to complete a appropriate applicatio form. Professioal cousellig services carried out by accredited cousellors whilst workig for ad uder the authority of the Church committee.

12 12 SUMMARY OF COVER CHURCH PROTECTION Special features Features ad beefits Sigificat exclusios ad limitatios Pastoral care idemity For your liabilities arisig from the provisio of pastoral care to idividuals seekig the help of the Church. Cover applies to claims first made agaist you durig the period of isurace i respect of: (a) ijury or damage to property, or (b) pecuiary losses where the claim does ot ivolve a ijury or damage to property. s (a) 5,000,000 ay oe period of isurace (b) 100,000 ay oe period of isurace Iclusive of all legal costs ad expeses Errors ad omissios i providig services ad facilities Covers claims first made agaist you durig the period of isurace i respect of errors or omissios i providig services ad facilities. For example, the double bookig of weddig ceremoies. 100,000 ay oe period of isurace Iclusive of all legal costs ad expeses Idepedet examiatio of your accouts Covers your appoited idepedet examier for claims first made agaist him or her durig the period of isurace for errors or omissios i the examiatio of your accouts. The cover is for ay idepedet examiers, ot for registered auditors udertakig a audit of church accouts. 25,000 ay oe period of isurace Iclusive of all legal costs ad expeses Libel ad slader Covers claims first made agaist you durig the period of isurace i respect of libel ad slader e.g. arisig from publicatios such as the parish magazie. 100,000 ay oe period of isurace Iclusive of legal costs ad expeses excludig wilful or deliberate libel or slader

13 CHURCH PROTECTION SUMMARY OF COVER 13 Features ad beefits Cotiget motor liability Covers your legal liability followig accidets caused by the use of motor vehicles withi the UK, Republic of Irelad, Chael Islads ad Isle of Ma, which are ot your property, ad are ot provided by you but which are beig used by a employee i coectio with your busiess. Sigificat exclusios ad limitatios The idemity limit for public ad products liability will apply excludig damage to the vehicle itself ad ay property beig carried o it If you are ivolved i the use of trucks or tractors to tow trailers i ay parade, street etertaimet or similar social or fud-raisig activity, motor isurace arragemets must be made. You should obtai writte cofirmatio that the appropriate motor isurace cover is i force. Church committee ad trustees idemity This extesio is oly i force if you are permitted to avail of this type of cover. The extesio covers claims first made agaist you durig the period of isurace i respect of wrogful acts committed by Church committee members or officers i their respective capacities. 100,000 ay oe period of isurace 25,000 ay oe claim Iclusive of legal costs ad expeses excludig wilful or deliberate acts It also covers you if documets relatig to your activities are lost or damaged; it will meet legal liability resultig from such loss ad the costs of restorig or replacig the documet. Private hirers idemity Provides liability cover for persos who hire your premises for occasioal social evets o ot more tha three occasios per hirer a year. Cover is o a cotiget basis i.e. it oly applies with your agreemet ad provided that o other isurace is i force. The idemity limit is 2,000,000 Iclusive of legal costs ad expeses

14 14 SUMMARY OF COVER CHURCH PROTECTION Legal expeses The legal expeses cover is arraged i cojuctio with DAS Legal Expeses Isurace Compay ed. Features ad beefits Legal expeses cover icludes a 24-hour, 365 days a year, legal ad cousellig telephoe helplie. Appropriately qualified persoel will give you iitial advice o ay legal matter for just the cost of a telephoe call. I may cases, this iitial professioal advice, give over the telephoe, saves the eed for ay more actio. To help DAS check ad improve their service stadard, DAS record all the legal advice calls. DAS does ot record the cousellig telephoe calls. Should further steps become ecessary the policy provides for legal fees icludig solicitors ad barristers fees, court costs, expeses for expert witesses, attedace expeses ad accoutats fees icurred uder the headigs of: Property protectio Bodily ijury Legal defece Employmet disputes Employmet compesatio awards Tax protectio Cotract disputes over 250 Debt recovery for debts over 250 Sigificat exclusios ad limitatios All claims 100,000 ay oe evet Employmet compesatio awards 100,000 ay oe evet, maximum 1,000,000 ay oe period of isurace. excludig costs ad expeses before DAS s writte acceptace of a claim excludig claims reported more tha 180 days after the date you should have kow about the icidet i civil claims it must be more likely tha ot you will recover damages or make a successful defece excludig claims relatig to physical ad sexual abuse Providig it is more likely tha ot that the appeal will be successful we will also pay the costs of appealig or defedig a appeal.

15 CHURCH PROTECTION SUMMARY OF COVER 15 Persoal accidet Features ad beefits The stadard policy provides beefit paymets followig accidetal ijury to, or death of: Church committee members, employees, authorised voluteers, all whilst egaged i church busiess, clergy, childre takig part i activities supervised by your officials ad members of a tour you have orgaised. Sigificat exclusios ad limitatios excludig certai hazardous sports or activities Ask us if you are i ay doubt about a activity ad we will advise you if the persoal accidet cover is affected Beefits Adults 3 15 years (iclusive) Death 10,000 5,000 Loss of oe or both eyes or oe or more limbs 10,000 10,000 Permaet total disability 10,000 10,000 Temporary total disability 100 per week 10 per week Special features Features ad beefits Medical expeses (icludig detal ad surgical expeses) For medical expeses paid alogside a death or disablemet claim we have accepted uder this sectio. Also, for medical expeses paid if ay member of the Church committee, clergy, employee or voluteer is assaulted whilst o your busiess. This icludes ay ijury, whether or ot a death or disablemet beefit is payable. Sigificat exclusios ad limitatios s 2,500 per perso 5,000 per perso Clothig ad persoal effects If damaged i coectio with a ijury claim accepted uder this sectio. 1,000 per perso Loss of deposits Pays for uused travel ad accommodatio expeses if it is ecessary to withdraw from a tour you orgaise due to accidet or illess. 250 per perso

16 16 SUMMARY OF COVER CHURCH PROTECTION Geeral iformatio Uoccupied buildigs The law applicable You must tell us if your property becomes uoccupied. Excesses For claims uder the Property damage ad Property damage plus sectios you will be resposible for the first amout of the claim i.e. the excess. The excess applicable to your policy will be show i your schedule. Fud-raisig evets ad special activities Your policy is desiged to iclude all the commo maistream activities of a church ad church hall such as jumble sales, bazaars ad flower festivals. However, please tell us i advace if you are cosiderig ay activities of a potetially hazardous ature such as clay pigeo shoots, firework displays, boucy castles, rock climbig or abseilig. We will the cofirm the isurace positio, particularly i relatio to public liability issues. Detailed advice about evets ad hirig agreemets ca be foud i our guidace otes ad fact sheets which are available from your Isurace Cosultat ad Surveyor or o our websites: ad Cacellig the policy We have the right to cacel the policy by givig you 7 days otice i writig set by recorded delivery to your last kow address. If we cacel the policy we will refud the part of your premium which covers the cacelled period. It is our itetio to apply the law of Eglad ad Wales to your isurace. What if I have a complait? The policy documet cotais full details of our complaits procedure should you have a complait agaist Ecclesiastical Isurace Office plc. The procedure icludes details of the Fiacial Ombudsma Service ad how you ca access it. The Fiacial Services Compesatio Scheme (FSCS) The Fiacial Services Compesatio Scheme (FSCS) is the idepedet body, set up by govermet, which gives you your moey back if your authorised* fiacial services provider goes bust. The FSCS protects a rage of products for both idividuals ad small busiesses. s apply depedig o the product you have bought. The FSCS does ot charge idividual cosumers for usig its service. The FSCS caot help you if the firm you have doe busiess with is still tradig. For further iformatio o the scheme you ca visit the website at: or write to: Fiacial Services Compesatio Scheme 10th Floor, Beaufort House, 15 St Botolph Street, Lodo EC3A 7QU. Tel: or Fax: equiries@fscs.org.uk * The FSCS ca oly pay compesatio for customers of fiacial services firms authorised by the PRA or FCA.

17 Notes

18 Notes

19 This cotract is uderwritte by: Ecclesiastical Isurace Office plc. Our FCA register umber is Our permitted busiess is geeral isurace. You ca check this o the FCA s register by visitig the FCA s website or by cotactig the FCA o

20 For further iformatio o ay of our products or services, please speak to your broker. Or visit us at or 2d Floor, Block F2, EastPoit, Dubli 3, Irelad. Ecclesiastical Isurace Office plc (EIO) Reg. No Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. Registered Brach i Dubli, Irelad. Reg No d Floor, Block F2, EastPoit, Dubli 3, Irelad. Ecclesiastical Isurace Office plc is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Ecclesiastical Isurace Office plc 2016 NI 0401/1/0916