To understand risk management and ensure adequate insurance coverage to provide for the security and well being of the Congregation, to provide sufficient funds for rebuilding or renovating following loss or damage and to provide adequate coverage for any possible Personal Injury claims.
SCOPE:
All property, building, contents, Congregation Members, Staff, Officers and guests shall have insurance coverage as deemed sufficient through risk management analysis by the Communication and Resources Team or a qualified professional.
PROCEDURE:
- Insurance policies shall cover buildings and contents for fire, flood, windstorm, hail, theft, the business and personal property of Clergy, Officers and Staff while such property is in the insured buildings.
- Comprehensive liability shall be in place to cover bodily injury or property damage liability.
- Extended coverage shall include all reasonable medical, surgical and dental expenses and applies to Congregation Members and guests.
- Worker’s Compensation coverage is required for accidental injury arising out of the course of employment.
- A Fidelity Bond shall provide coverage on Chapel positions, rather than on individuals.
- As any church may find its Officers subject to potential personal liability, Directors and Officers Liability shall be maintained.
- As deemed necessary, additional insurance coverage may be added, such as a rider on specific items of property.
- Annually, the Communication and Resources Team, or a qualified individual shall review all insurance policies with the Church Administrator and the insurance representative. This review shall include any addition to property, the current replacement value of the buildings and contents, determine if bonds, liability or separate rider coverage is sufficient and the appropriateness of deductibles.
- An annual review of Chapel programs, on and off property, to ascertain proper coverage, shall be conducted to ascertain the proper and necessary coverage .
- All Chapel Staff and Congregation Members involved in Chapel Ministries shall be made aware of liability and responsibility.
- Claims to the insurer shall be processed through the Church Administrator. A claim file shall be maintained in that office for no less than seven (7) years. Calls to the Church Administrator concerning claims should be forwarded to the Chapel’s insurance carrier. Pending claims shall not be discussed with the claimant, their insurance carrier, or attorney.
- Vehicle insurance coverage is outlined in the Chapel Vehicle Use Policy [3:006]
The Communication and Resources Team, with the Church Administrator shall be responsible for all insurance coverage, and shall perform an annual review with a view toward ensuring the adequacy and appropriateness of all policies, prior to their renewal.
LAST REVIEWED 2008
