Nine insurance considerations when planning a church event

October 5, 2021
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Nine insurance considerations when planning a church event

With the onset of autumn, many Churches are entering the season of light nights and firework events – and many of us might even be starting to think about Christmas…

Whilst these events may take a slightly different form this year as we navigate the lifting of pandemic restrictions, a church still has a duty of care to protect everyone that may be affected by its activities.

Here, Kingdom Bank – who are one of our guest speakers at the ACAT Conference 2021 – suggests nine insurance considerations which all need to be borne in mind prior to planning an event:

1 Contact your insurance provider

You should contact your insurance provider and outline details of any activities that could be classed as safety-critical or hazardous. They will advise whether your liability cover will extend accordingly. You may not need to arrange a separate event policy.

2. Seek the necessary permissions

If the event is located on any land that is owned by the Local Authority, permission will be needed. If it necessitates a road closure, you should contact the authorities and allow at least 12 weeks’ notice.

3. Risk assessments

Complete a detailed written risk assessment. This will identify any hazards and safety issues whilst setting out how you can manage the risks.

4. Safeguarding

You should ensure your safeguarding policy is up-to-date, relevant for the event activities and strictly adhered to.

5. Insurance for third-party suppliers

If you are using any third-party organisers such as a caterer or inflatables company, ensure they have adequate insurance cover and agree responsibilities between you. This will ensure that each party knows who is responsible for what.

6. Check caterers’ credentials

If you are using any professional caterers at the event, check they are registered under the Food Safety Act and with their Local Authority Environmental Health Department. You should also check they are health and safety compliant.

7. Alcohol licencing

If you are planning on selling alcohol at your event, you must organise a licence for this.

8. Evacuation procedures

You should have an evacuation procedure in the event of a fire occurring, even if the event is outside. If you expect a large number of attendees, you should inform the police and fire brigade in advance.

9. Event supervision

It’s important to ensure the event is fully supervised, helping to keep attendees safe. Having marshals at areas such as the car park, entrance and each activity can help with this.

If you are planning an event and would like to discuss your specific requirements, you can get in touch with Kingdom Bank here.

For more government guidance on events, click HERE.

To book your place on Kingdom Bank’s webinar entitled ‘Practical banking, Kingdom purpose – How best to support your church in a post-Covid world’ which takes place on Tuesday, October 12, please click HERE.