PARISHGUARD summary of cover Versio 6
Cotets Itroductio 3 Fud raisig evets ad special activities 4 Geeral iformatio 4 Property damage 5 Loss of icome 10 Moey 11 Theft by officials 12 Liabilities 13 Legal expeses 16 Persoal accidet 17
PARISHGUARD INSURANCE SUMMARY OF COVER 3 This is a summary of the cover provided by our Parishguard Isurace policy. The Parishguard policy is desiged to provide the best church isurace available. This documet 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 documet is available o request if you would like to check the cover fully. Whe you take out cover with us we will sed you a policy schedule that gives details of your cover ad the property isured. The policy offers you isurace cover for Excesses Your buildigs. Your cotets ad persoal effects. Your loss of icome. Your moey. Your losses followig theft by officials. Your legal liabilities towards employees, authorised voluteers or members of the public followig a accidet. Legal expeses isurace, to protect your positio o a rage of legal issues. You or your employees or authorised voluteers beig uable to work because of a accidet. For claims uder the Property damage, Moey ad Theft by officials sectios you will be resposible for the first amout of the claim. The excess applicable to your policy will be show i your schedule. You ca obtai a discout i premium for icreased excesses. Log term agreemet I retur for your agreemet to cotiue the isurace with us for a period of five cosecutive years, a discout of 25% will be deducted from the aual premium. If you withdraw from the agreemet early we will be etitled to charge you a withdrawal fee which ca be up to 12.5% of the aual premium payable. Optioal cover For a additioal premium you ca isure all of your property isured by the policy agaist Acts of terrorism. Paymet by istalmets If you wish, your premium ca be paid by mothly istalmets at o additioal cost. Please request a direct debit form for further details.
4 SUMMARY OF COVER PARISHGUARD INSURANCE Fud raisig evets ad special activities Geeral iformatio We cosider evets such as fetes, coffee morigs ad bake sales as ormal church activities ad this policy will provide cover for these. But, occasioally churches will ru more uusual or hazardous activities such as fireworks displays, abseilig, rock climbig or tower tours. You would eed to let us kow if you are plaig ay evets like these. Most evets will pose o problem but you eed to be aware of your obligatios uder, for example, Health ad Safety legislatio. Where activities of a especially hazardous ature are udertake such as a fireworks display, clay pigeo shoots, abseilig or rock climbig we would expect you to use a competet specialist provider ad check that they have adequate public liability isurace i place at the time of the evet ad where you ca cofirm this, we would ot ormally charge a additioal premium. Our `Made Simple' guide to orgaised evets gives more advice ad you ca read it at www.ecclesiastical.com/madesimple As part of your missio, you may be plaig to support your commuity, for example, through providig a ight shelter, food bak or parish ursig. There are importat regulatory issues you eed to be aware of ad we ca help you with free advice to make sure you comply with the regulatory requiremets. Depedig o the extet of this work, we may charge a small additioal premium. For more advice you should also read our `Made Simple' guide to commuity outreach at www.ecclesiastical.com/madesimple The policy is uderwritte by Ecclesiastical Isurace Office plc. The policy shall be govered by ad costrued i accordace with the law of Eglad ad Wales uless your cetral admiistratio ad/or place of establishmet is located i Scotlad i which case the law of Scotlad shall apply. The policy documet cotais full details of our complaits procedure should you have a complait agaist Ecclesiastical Isurace Office plc. If you're ot satisfied with our respose, you may have the right to take your complait to the Fiacial Ombudsma Service. This complaits procedure does ot affect your right to take legal proceedigs. The Fiacial Services Compesatio Scheme (FSCS) You may be etitled to compesatio from the FSCS should we be uable to fulfil our obligatios. Further iformatio is available at www.fscs.org.uk For claims other tha Legal expeses call 0345 603 8381 or, if you are callig from abroad, +44 (0) 1452 872 701 New claims ca be reported 24 hours a day, 7 days a week For legal expeses claims call DAS Legal Expeses Isurace Compay ed 0345 266 0029 or, if you are callig from abroad, +44 (0) 1452 875 928
PARISHGUARD INSURANCE SUMMARY OF COVER 5 Property damage Uless we agree a more limited arragemet with you, this sectio covers your buildigs ad cotets agaist a wide rage of evets such as fire, malicious persos, storm, flood ad theft. You must tell us as soo as reasoably possible if the use of the buildig ceases o a permaet basis or whe the usual activities at the premises have ceased pedig a decisio regardig the future of the buildig. Cover will reduce to fire, lightig, explosio ad aircraft uless we agree otherwise. Excludig wet or dry rot. Excludig subsidece, heave or ladslip. Excludig terrorism uless specifically isured. Excludig ay value attached to a item of cotets by reaso of its atiquity. Excludig the excess, the amout of which will be agreed with you ad cofirmed o the policy schedule. Theft (icludes walk-i theft). s Stadard limit of 25,000 for ay oe item of cotets. 1,000 ay oe claim for cotets i ulocked outbuildigs. Excludig theft of parts of the buildigs or its fixtures (icludig exteral metal) whe scaffoldig has bee erected uless agreed otherwise with us. 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. All Risks cover Up to 5,000 all risks cover icluded as stadard, i ay oe period of isurace, for uspecified cotets aywhere i the UK. Optio to specify items for higher limits ad exted cover to Europe or Worldwide. 1,000 for ay oe item of cotets.
6 SUMMARY OF COVER PARISHGUARD INSURANCE Sums isured For buildigs the sum isured should represet the cost of restorig or repairig the buildig, usig techiques ad materials which are substatially the same as the origial, but may ot be of the same period, icludig a allowace for fixtures ad fittigs, heatig ad lightig istallatios, widows, boudary walls, feces ad gates, outbuildigs, extesios, o-recoverable VAT, architects, surveyors ad cosultig egieers fees, the cost of debris removal ad of meetig public authority requiremets. The sums isured will be the most we will pay subject to a ier limit of 25,000 for each tomb, moumet, memorial or shrie withi the buildig. 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). Special features Archaeological costs Covers archaeological costs that may follow a isured evet. For example, the aalysis by coservatio bodies of the origial fabric of the buildig should it become exposed by the damage. Excludig ay below-groud excavatios. 250,000 ay oe claim. Costs must be ecessarily ad reasoably icurred as part of the repair, with our prior agreemet. Plaig (Listed Buildigs ad Coservatio Areas) Act 1990 20% of the buildigs sum isured. The requiremets of the plaig authorities caot be predicted with certaity. This extesio therefore 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. The costs we will pay are i additio to ay cover that ca be provided withi the scope of the buildigs sum isured.
PARISHGUARD INSURANCE SUMMARY OF COVER 7 Property i the ope This icludes moumets that are your property, garde fixtures, exteral lightig ad security equipmet, plus law mowig equipmet. 5,000 ay oe claim. Commuio ware Covers damage to commuio plate items whilst aywhere i the UK. s 15,000 ay oe item ad 30,000 ay oe period of isurace. Excludig damage by theft or attempted theft to property left i a uatteded vehicle uless the property is hidde from view ad all widows ad suroofs are securely closed ad the boot ad all doors are locked. Office equipmet Covers equipmet i a office away from your premises or i the home of a employee or resposible parishioer. 10,000 ay oe claim. Musical istrumets Covers musical istrumets ad other portable items, whilst i the care of employees ad authorised voluteers i the UK. s 2,500 ay oe item ad 10,000 ay oe claim. Excludig damage by theft or attempted theft to property left i a uatteded vehicle uless the property is hidde from view ad all widows ad suroofs are securely closed ad the boot ad all doors are locked. Clothig ad persoal effects Covers items belogig to employees ad authorised voluteers (ad visitig clergy ad choristers) whilst egaged i 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.
8 SUMMARY OF COVER PARISHGUARD INSURANCE Raffle prizes ad doated goods Covers items whilst i the care of employees ad authorised voluteers aywhere i the UK. s 1,000 ay oe item ad 5,000 ay oe fud raisig evet. Excludig damage by theft or attempted theft to property left i a uatteded vehicle uless the property is hidde from view ad all widows ad suroofs are securely closed ad the boot ad all doors are locked. Exhibitio property ad marquees Cover for marquees ad other items ot belogig to you but for which you are resposible used i coectio with your exhibitio, festival or evet aywhere i the geographical limits, ad i the course of trasit to or from such locatios. s 2,500 ay oe item ad 10,000 ay oe exhibitio, festival or evet. Excludig damage by theft or attempted theft to property left i a uatteded vehicle uless the property is hidde from view ad all widows ad suroofs are securely closed ad the boot ad all doors are locked. Headstoes ad moumets Covers the cost of makig safe ay headstoes, moumets or memorials which are ot your property but which have bee redered dagerous followig damage by a isured evet, such as storm or malicious persos. 5,000 ay oe period of isurace. You must seek to recover your outlay from the owers of the property i the first istace.
PARISHGUARD INSURANCE SUMMARY OF COVER 9 Mior cotract works Whe you sig a JCT cotract (or ay similar cotract with our agreemet) 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. 150,000 ay oe project for the ew works ad site materials. The policy sums isured will apply i respect of the existig buildigs ad cotets. If the cotract price for the work is over 150,000 please cotact us. We ca provide cover but a additioal premium will usually be required. Bequeathed property Covers damage to items bequeathed to you. s 250,000 for bequeathed buildigs. 5,000 for ay other bequeathed item. Withi three moths of legal title of such property passig to you, you must either otify us about the property ad arrage for it to be specifically isured by this policy or arrage for it to be isured elsewhere.
10 SUMMARY OF COVER PARISHGUARD INSURANCE Loss of icome Covers loss of icome that arises followig a fire or other damage isured uder the Property damage sectio. For example, you may lose icome from service collectios, or you may be uable to hire out the premises to other orgaisatios. Stadard limit of 100,000 ay oe evet. Higher limits are available upo request. 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 Archaeological digs We will pay the additioal amout if a loss uder this sectio is icreased followig archaeological discoveries. Uless you have opted to icrease the limit, overall the stadard limit of 100,000 will apply. Other veues Covers your lost icome or icreased costs if damage caused by a isured evet occurs: at aother veue where you are holdig a fud raisig evet, exhibitio or activity. 10,000 ay oe icidet. to your property (used for the fud raisig evet, exhibitio or other activity) whilst at your premises or i trasit. Prevetio of access Covers prevetio of access to your premises followig damage to a eighbourig property by a cause which is covered uder your policy. Uless you have opted to icrease the limit, the stadard limit of 100,000 will apply.
PARISHGUARD INSURANCE SUMMARY OF COVER 11 Moey Covers loss of moey belogig to you or for which you are resposible. Excludig the excess, the amout of which will be agreed with you ad cofirmed o the policy schedule. For o-egotiable moey such as crossed cheques ad postal orders. 250,000 ay oe loss. Loss of moey i trasit or i a bak ight safe. Cash over 3,000 whilst i trasit uless accompaied by at least two persos. For cash over 5,000 we require three persos. A professioal security firm is required if 10,000 or over. 5,000 ay oe loss. Loss of moey while beig couted or i the home of a authorised officer, employee or member of the clergy. 5,000 ay oe loss. Loss of moey from a locked safe o the premises. 5,000 ay oe loss. Ay other loss. 500 Special features Fud raisig evets All the above limits (except 'o-egotiable moey' ad 'ay other loss') are doubled for the period from two days before to seve days after a fud raisig evet. Damage to clothig ad persoal effects Covers items belogig to employees or officials which are damaged as a result of theft of moey. 1,000 per perso.
12 SUMMARY OF COVER PARISHGUARD INSURANCE Fraud ad idetity theft Covers fraudulet use of credit ad debit cards used i coectio with your orgaisatio. Also covers ay reasoable ad ecessary expeses you icur if your idetity is used by a third party to obtai credit, agaist your kowledge. Fraudulet use of credit cards where the issuer's terms have ot bee complied with, or losses arisig from fraudulet use by you or ay officials of your place of worship. Idetity theft costs must be agreed by us i advace. s 1,000 per card i ay oe period of isurace. 1,000 ay oe period of isurace for idetity theft. Theft by officials Covers loss of your moey caused by a act of fraud or dishoesty of a employee, official or volutary worker committed durig the period of isurace ad discovered withi 24 moths of the cover edig. Stadard limit of 10,000 for all acts of theft caused by oe official or two or more officials actig i collusio. Excludig the excess, the amout of which will be agreed with you ad cofirmed o the policy schedule. Icludig auditors fees which you icur to substatiate the loss, subject to our prior coset.
PARISHGUARD INSURANCE SUMMARY OF COVER 13 Liabilities Employers liability Provides cover if you are legally liable to pay damages to a employee or voluteer who is ijured whilst workig o your behalf. 10,000,000 ay oe evet ( 5,000,000 if terrorismrelated). Icludig legal costs ad expeses. Public ad products liability Provides cover if you are legally liable for ijury to a member of the geeral public or damage to their property. For example, if someoe is ijured whilst i your church, you may be held liable to pay damages to them, ad ay associated legal costs. 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. We ca cosider requests for alterative limits. Public liability limit of idemity is for ay oe evet. Products liability limit of idemity 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. Special features Pastoral care idemity For your legal liabilities for claims first made agaist you ad otified to us durig the period of isurace 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 Excludes liability arisig from professioal cousellig services. s (a) 5,000,000 (or the Public ad products liability limit of idemity if lower) ay oe period of isurace (b) 100,000 ay oe period of isurace. Higher limits are available upo request. Iclusive of all legal costs ad expeses.
14 SUMMARY OF COVER PARISHGUARD INSURANCE Errors ad omissios i providig services ad facilities Covers claims first made agaist you ad otified to us 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. Higher limits are available upo request. Idepedet examiatio of your accouts Covers your appoited idepedet examier for claims first made agaist him or her ad otified to us 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 your 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. For example, arisig from publicatios such as the parish magazie. Excludig wilful or deliberate libel or slader. 250,000 ay oe period of isurace. Iclusive of all legal costs ad expeses. Cotiget motor liability Covers your legal liability followig accidets caused by the use of motor vehicles withi the UK which are ot your property, ad are ot provided by you but which are beig used by a employee i coectio with your busiess. Excludes damage to the vehicle itself ad ay property beig carried o it. The idemity limit for Public ad products liability will apply. Additioal clea up costs Covers your legal liability i respect of remediatio costs charged by the Eviromet Agecy for sudde ad accidetal pollutio occurrig durig the period of isurace ad i coectio with your busiess or activities. Excludes removal or disposal of ay waste deposited by you. 1,000,000 i respect of all icidets occurrig durig the period of isurace. Iclusive of legal costs ad expeses. You shall be liable for 10% of the cost of ay claim givig rise to idemity uder this extesio subject to a miimum cotributio of 2,500.
PARISHGUARD INSURANCE SUMMARY OF COVER 15 Church Coucil ad trustee idemity Cover is o a claims made basis, which meas it covers claims made agaist you ad otified to us durig the period of isurace. Covers the persoal liability of trustees, officers, directors, employees or volutary workers arisig from errors or omissios they make i the maagemet ad admiistratio of the orgaisatio. This cover also provides a idemity to the church coucil for wrogful acts by trustees, officers, directors, employees or volutary workers arisig from errors or omissios they make i the maagemet ad admiistratio of the orgaisatio. Excludig aythig doe i the capacity of trustee or admiistrator of ay pesio fud or scheme. Excludig liability arisig from ay allegatio of ufair or wrogful dismissal ad ay other employmet dispute. Excludig wilful or deliberate acts. 100,000 ay oe period of isurace. Iclusive of legal costs ad expeses. Higher limits are available upo request. If a church related documet is lost or damaged; this extesio will meet legal liability resultig from such loss ad the costs of restorig or replacig the documet. Idemity to private hirers Provides liability cover for persos who hire your premises for occasioal social evets o ot more tha three occasios a year per hirer. Cover is o a cotiget basis ie it oly applies with your agreemet ad provided that o other isurace is i force. Excludes liability arisig out of activities of a hazardous ature. Excludes liability arisig out of the use of boucy castles or other iflatables, fly walls, bugee equipmet or ay similar activity equipmet; Excludes liability arisig out of food ad drik supplied at the evet where such goods have bee supplied by a professioal caterer. 2,000,000 ay oe evet (ay oe period of isurace i respect of products). Iclusive of legal costs ad expeses. Optioal cover Professioal cousellig services To cover cousellig carried out by accredited cousellors whilst workig for you ad uder your authority. If you require a quotatio for this cover you will be asked to complete a appropriate applicatio form.
16 SUMMARY OF COVER PARISHGUARD INSURANCE Legal expeses This sectio provides cover for legal fees, compesatio awards or appeal costs arisig from a wide rage of legal disputes that you may become ivolved i. To esure a expert service the cover uder this sectio is arraged by us i cojuctio with DAS Legal Expeses Isurace Compay ed (DAS). We are resposible for payig ay claims uder this sectio but DAS maage all claim matters ad correspodece o our behalf. As a Ecclesiastical customer you ca take advatage of the 24-hour, 365 days a year, legal ad cousellig telephoe helplie. Appropriately qualified persoel will give you iitial advice o ay church related 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 us check ad improve our service stadards, we record all the legal advice calls. We will ot record the cousellig telephoe calls. If you take the legal expeses cover you ca also phoe DAS at ay time to arrage for a local Solicitor, to be appoited from a atiowide pael of Solicitors, to cotact you ad provide the ecessary assistace durig or followig ay ivestigatio by the Police. 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 followig headigs: Property protectio Persoal ijury Legal defece Employmet disputes ad compesatio awards Tax protectio Cotract disputes over 250 Debt recovery for debts over 250 If you decide ot to use a law firm that DAS recommed we will oly pay your reasoable costs ad expeses takig ito accout what we would have paid the DAS recommeded law firm. 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. 250,000 ay oe claim for legal expeses. Compesatio awards Up to 1,000,000 i ay oe period of isurace. For cases relatig to performace or coduct, you must follow the ACAS Code of Discipliary Practice ad Procedures or follow advice from DAS Legal Advice Service. We will oly pay for compesatio awards relatig to redudacy if you have followed the advice provided by DAS Legal Advice Service prior to servig otice. We will also pay the costs of appealig or defedig a appeal which DAS agrees is more likely to succeed tha ot. Legal defece icludes cover for coscietious objectio if civil actio is take agaist a isured perso followig their decisio ot to solemise a marriage.
PARISHGUARD INSURANCE SUMMARY OF COVER 17 Persoal accidet The stadard policy provides beefit paymets followig accidetal ijury to, or death of: (a) Members of the clergy whether o duty or ot; (b) Employees, authorised voluteers, youths or members of a tour you have orgaised, whilst egaged i your busiess or activities. Excludig accidetal ijury to persos uder the age of 3 years or persos who after the expiry of the period of isurace will have attaied the age of 80 years. 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 16-80 years (iclusive) 3 15 years (iclusive) Death 10,000 5,000 Loss of oe or both eye(s) or oe or more limb(s) 10,000 10,000 Permaet total disablemet 10,000 10,000 Temporary total disablemet 100 per week 10 per week
18 SUMMARY OF COVER PARISHGUARD INSURANCE Special features Medical expeses (icludig detal ad surgical expeses) For medical expeses paid alogside a death or disablemet claim we have accepted uder this sectio. Hospital beefit if as a result of the ijury the isured perso goes ito hospital for i-patiet treatmet. s 2,500 per perso for medical expeses. 20 a day up to 200 for hospital beefit. 5,000 per perso for medical expeses followig assault. Also, for medical expeses paid if ay member of the clergy, employee or authorised voluteer is assaulted whilst o your busiess or activities. This icludes ay ijury, whether or ot a death or disablemet beefit is payable. Clothig ad persoal effects If such items are 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. 500 per perso.
This cotract is uderwritte by: Ecclesiastical Isurace Office plc. Our FCA register umber is 113848. Our permitted busiess is geeral isurace. You ca check this o the FCA s register by visitig the FCA s website www.fca.gov.uk/pages/register or by cotactig the FCA o 0800 111 6768
Cotact us For further iformatio o ay of our products, call us o 0345 777 3322 Moday to Friday 8am to 6pm (excludig bak holidays). We may moitor or record calls to improve our service You ca email us at churches@ecclesiastical.com Or visit us at www.ecclesiastical.com/church If you would like this booklet i large prit, braille, o audio tape or computer disc please call us o 0345 777 3322. You ca also tell us if you would like to always receive literature i aother format. Other useful cotacts Ecclesiastical Fiacial Advisory Services for Idepedet Fiacial Advice 0800 107 0190 www.ecclesiastical.com/getadvice Ecclesiastical Home Isurace: 0800 917 3345 www.ecclesiastical.com/churchworker Beaufort House, Bruswick Road, Gloucester GL1 1JZ Ecclesiastical Isurace Office plc (EIO) Reg. No. 24869. Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. EIO is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Ecclesiastical Isurace Office plc 2015 PD2244/6/0715