There is a lot to think about in this area because the insurance needs to accommodate the full range of activities churches are involved in today, as well as property. Health & Safety, Safeguarding, Prevention & Security, Insurance Act 2015 are additional issues that mean a bespoke approach is usually required.

Charities and not for profits have varied and complicated activities that can be challenging to insure. Organisational assets, people, and reputations usually warrant a bespoke insurance strategy to be sufficiently appropriate to meet Legal, Regulatory, and Best-Practice requirements.

Trustees are ultimately accountable for organisational activities and they should protect themselves against the financial implications of wrongful acts. CIO’s do not necessarily protect trustees because in certain circumstances protection can be overridden by the requirements of the Charites and Trusts Acts.

Cyber-attacks are an increasing concern for organisations in terms of lost reputation, regulatory breaches, liability, and the costs of dealing with cyber-attack or losses from a cyber event. Cover is available for cyber-crime, data breaches, cyber-liability, and data corruption and extra costs.

Public Liability insurance is designed to cover compensation costs if someone makes a claim against you or your organisation for injury or damage. Employer’s Liability is designed to cover compensation claims against the employer arising from employee illness or injury, sustained as a result of their work for the employer. However, volunteers are also classed as employees.

If you provide advice or offer consultancy PI cover is designed to protect you against compensation claims should you make a mistake. Because consultancy work can vary considerably, bespoke cover is usually required.

The venue, equipment, the activities, people, and the weather can all make for the smooth-running of your event. If something goes wrong event insurance can help.

Fire, flood, theft and other unforeseen eventualities can affect ability to trade. Business interruption, goods in transit, stock protection, contents and fittings, and cash cover are some of the main issues that require consideration.

Homes and possessions are bespoke to all of us, so why would anyone settle for insurance that isn’t? Price comparison sites cannot quote a combination of excesses, conditions, endorsements, limits and exclusions, and downloaded quotes impact your credit file. Save time and hassle and contact us.

Investment property risks are considerable and appropriately protecting you, the property, and your tenants can be challenging.

Homes owned by churches are assets that are not insured the same way as standard residential properties. Sometimes they are occupied by church employees or let on a different basis. The risks differ and therefore specialist insurance is required.

These properties attract different risks than standard residential properties. The property and the guests are the first priorities, but loss of income and other liabilities also need to be considered.

We no longer advise on motor insurance but we do refer all enquiries to a trusted insurance broker we can vouch for that specialises exclusively in motor insurance.

Tourers and statics attract differing risks – third parties, the van itself, and personal effects should be insured as a start, but if you hire out a static, you need to consider loss of income too in the event of the unforeseen.