Covid-19 Q&A: Insurance Risk Management for Church and - - PowerPoint PPT Presentation

Covid-19 Q&A: Insurance Risk Management for Church and Charities

www.stewardship.org.uk

New Beginnings

Covid-19 Q&A: Insurance Risk Management for Church and Charities How do I ask a question? Use to Q&A function at the bottom of your screen

“We also see many opportunities for Kingdom Bank and Stewardship to work closely together, for example in the provision of loans to the numerous church plants and revitalisations occurring in the U.K. which is something we are both very keen to support. The Christian community, by placing its savings and deposits with Kingdom Bank, therefore enables us to support Churches, Charities and Christian workers with their property needs.” – Simon Blake, Chair of Trustees at Stewardship.

Chris Perkins Head of Church and Charity Lending

www.stewardship.org.uk

Kingdom Bank

Covid-19 Q&A: Insurance Risk Management for Church and Charities

Barry Walker Head of Insurance

How do I ask a question? Use to Q&A function at the bottom of your screen

For Kingdom Bank, everything we do flows from our faith which makes us distinctly different from almost every other bank. We are brokers and pride ourselves in finding the right cover for you at the best terms we can. We are experienced insurance advisers and will take time with you to understand your needs and to let you ask any questions you like.

www.stewardship.org.uk

Ansvar Insurance

Slides will be available after the webinar at www.stewardship.org.uk/covid-19

James Manning Head of underwriting

Risk isk Ma Mana nagem gement ent

Jame mes Manning, , Head of Underwr rwriting ting 21/05 /05/20 /2020

https://www.ansvar.co.uk/

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1 Int ntro ro to

• Ansvar

ar 2 Risk Manage nagemen ent - Before re re-ope

• penin

ning g chur urches es for r clerg ergy pray rayer/ r/stream eaming ing 3 Risk Manage nagemen ent - Eac ach time e the he Churc rch Build lding ing is used ed 4 Risk Manage nagemen ent - On an ongoing ngoing bas asis is 5 Risk Manage nagemen ent - Unoc

• ccup

upied ied prem remis ises 6 UK insura ranc nce e indus dustry COVI VID-19 19 Supp pport

• rt Fund

nd 7

Grant Funding -Financial

inancial suppor upport from rom Governm rnment ent 8 Useful Links

Introd roduct uction ion to Ansv svar ar

7

Ansvar r today

A specia ciali list st ethica ical l insu suran rance ce provid vider of packaged (non-complex) genera ral l insu sura rance ce solu luti tions for Church, Charity and Not for Profit business providing composit site prop roperty/ca rty/casu sualt lty y cove vers. rs. Our core niche activity is focused around “Free” Church, including start art ups s and nd fello lowsh ship ips, and smal all l to med ediu ium size zed chariti rities, communit ity y groups s and vill llage hall lls

His istory ry

RISK MANAGEMENT T - Before

re re-openin ing churches for cle lergy prayer/ r/st stre reamin ming

8

You must: t:



Ensure that the church ch build ildin ing in interio rior r is appropriately cle leaned paying particular attention to any detr tritus itus (bat t droppin ings s etc) ) that may have gathered.



Air ir the build ildin ing to minimise mould ld spores s etc.



Run all ll the taps (to minimise the risk of legionella) and flu lush and cle lean toile ilets

• ts. Run the water

r from all taps and other hot and cold water-outlets for at le least fiv ive min inutes s to ensure the water system has been thoroughly flush through. NB: If f you have any concern rns s seek appropriate riate profess fessio ional l help lp/advice vice



Consider checkin ing genera ral l main inte tenance ce items such as Ele lectr tric ical l Syste tems; ms; Emerg rgency cy Lig ightin ing and other r lig lightin ing; ; Fir ire Ala larm rm Systems; tems; Heatin ting Syste stems; ms; Oil il Supply ly; ; frid idges; s; Securi rity ty Monitorin itoring and Access s Syste tems; ms; water r systems tems and toile ilets ts

RISK MANAGEMENT - Each time the Church Building is used

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You must: t:



If clergy or lay ministers are likely to use the building as part t of a r rota, make sure those bits of the church that are touched often (doorkn rknobs, s, lig light swit itch ches etc) ) have been thoro roughly ly cle leaned between use



Do not share re Bib ible les, , prayer r books etc. Each person should bring their own books, order of service and take them home with them



Make sure hand hand-sa sanitize tizer r is available at the entra rance ce door and that everyone cleans their hands upon arrival



If toile ilets ts or washin ing facilities ilities are available, make sure that there are dis isposable le paper r towels ls, and that there is ple lenty y of liq liquid id soap



If servic vices s are bein ing stre reame med, the filming should be done either with a fix ixed camera ra or by a member of the priest’s or lay minister’s household



Lock the church after use



The advice above also applie lies if if others rs need to enter r the church build ildin ing, for example, workers to undertake necessary maintenance

RISK MANAGEMENT T - On On an ongoing going basis sis

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Ongoin ing main intenance ce:



Run taps s and flush toilets



Perform a general l cle lean of the Church building interior paying particular atte tention tion to those bits of the church that are touch ched ofte ten (doorknobs, light switches etc). These areas should be cleaned on a regula lar r and frequent t basis is

RISK MANAGEMENT T -

Top 5 pr prio iori ritie ties s for r temp mpora rarily rily clo losed church ches s and church propert rtie ies

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1) PROTECT TECT AGAINS INST T ELECT CTRICAL RICAL FIRES: : Electrica ctrical l equip ipment t should be turne rned off f and unplu lugged, and electrica ctrical l syste tems s isola late ted at the main in fuse se board rd, with the exception of any: intru truder ala larm rms, s, fire re alarm rms, s, secu curity rity or other r risk k prote tecti ction syste tems s or device vices.

• s. These should be

maintained to ensure they continue to fully and effectively protect the property at all times. 2) GUARD RD AGAINS INST ESCAP CAPE OF WATER TER LOSSES During the period of temporary closure turn rn off f any y wate ter r suppli lies s at the main ins s (and where reasonable to do so drain down water systems).We recognise it may not always be appropriate to turn rn off f or drain down wn wate ter r syste tems.

• s. Where this is the

case a minimum temperature of 7⁰C (45⁰F) should be maintained within the property if possible. 3) PROTEC OTECT YOUR PROPE PERTY TY Securing the property against unauthorised access. Remove any internal waste and position external bins as far from church property as possible. Ask any neighbours in the vicinity of church property to report any suspicious activity. 4) TRY TO PERI RIODICA ODICALLY CHECK CK THE PROPERT RTY If possible, arrange for someone to visit the church property on a weekly basis to check it remains secure, whilst following the latest government guidelines on travel/movement of people. This can be completed from the outside, without entering the premises. People taking their permitted daily exercise or shopping for essentials may be able to call at the church to complete these checks. 5) REVIE IEW YOUR R HEALTH H AND D SAFETY TY ARRANGE RANGEMENT Focus on any additional precautions that might be necessary to secure the premises and protect people from danger.

UK UK ins insurance ce ind industr try y CO COVID VID-19 9 Support rt Fund

12

In collaboration with the Char ariti ties es Aid Foun unda dati tion

• n (CA

CAF) and a network of partners such as the National Emergencies Trust (NET), the UK insurance and long-term savings industry has launched the COVID-19 Support Fund to raise £100 million for charities impacted by the coronavirus crisis. Of the target amount, £82.5 .5 million

• n has already been pledged by Aviva, Zurich UK, RSA, AXA UK and AXA XL, Allianz Insurance, Lloyd’s of

London, Hiscox, Direct Line Group, Admiral, Pension Insurance Corporation, Rothesay Life, AIG UK, Ageas Insurance, LV= General Insurance, Phoenix Group, Chubb, Ecclesiastical, Aon, Just Group, NFU Mutual, PIB Group, Brokerbility, Canada Life, Chesnara, Sabre, Standard Life Aberdeen, Unum, Ardonagh, and esure. The key y goal of the fund d is to provi

• vide

de imm mmedi diate ate relief, as well as a longer ger-ter term progr

• gramme

e of suppor pport t for the likes of comm mmun unity ty-based based char ariti ties under unprecedented strain, charities supporting the most vulnerable, and initiatives designed to promote well-being and mental health. NET, for instance, will receive £20 million of the donations committed so far. “Since the launch of our coronavirus appeal, generous pledges have meant we have been able to distribute more than £30 million and make more than 4,000 grants to charities across the UK,” noted NET chair General Lord Dannatt. “We are hugely appreciative of the support from the insurance and long-term savings community and will work to ensure the funds raised are quickly distributed to those who are most in need.” Meanwhile CAF chief executive Sir John Low stated: “Getting these vital funds quickly and safely into the hands of the many charities at the heart of our communities is central to CAF’s mission, and we are proud to be able to work alongside those in the insurance and long-term savings industries to make this happen. We know it will make a huge difference to many people in need of support at this time.” The e COVID ID-19 Support Fund is supported by members of the Association of British Insurers, the British Insurance Brokers’ Association, Lloyd’s, and the e Londo don n Mar arket et Grou

• up

Grant ant Funding ing -Fin

inanc ancia ial l support pport from Governm ernment ent

13

https://www.gov.uk/government/publications/coronavirus-covid-19-guidance-on-business-support-grant-funding A concrete example of signposting charities to Government funding is attached. This support takes the form of two grant funding schemes, the Small ll Busin siness ss Grant t Fund and the Retail, Hospitality and Leisu isure re Grant t Fund. It is administered by Loca cal l Auth thorit ritie ies s using rating records. It is available to charities who are registered to pay y rate tes s and is very easy to

• btain. There is no admin and it is not in any way means tested. Vill

llage Hall lls s in particular are prime beneficiaries of this and I know of two locally who obtained £10,000 grants within a week of application.  Under the Small Business Grant Fund (SBGF) all eligible businesses in England in receipt of either Small Business Rates Relief (SBRR) or Rural Rates Relief (RRR) in the business rates system will be eligible for a payment of £10,000  Under the Retail, Hospitality and Leisure Grant (RHLG) eligible businesses in England in receipt of the Expanded Retail Discount (which covers retail, hospitality and leisure) with a rateable value of less than £51,000 will be eligible for a cash grants of £10,000 or £25,000 per property  Eligible businesses in these sectors with a property that has a rateable value of up to and including £15,000 will receive a grant of £10,000

Useful Links:

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Gove vern rnment https://www.gov.uk/coronavirus Government Grants https://www.gov.uk/government/publications/coronavirus-covid-19-guidance-on-business-support-grant-funding Ansvar Risk Management Guides https://www.ansvar.co.uk/home/risk-management-guides/ Ansvar Covid 19 Updates https://www.ansvar.co.uk/covid-19-updates/covid-19-news/ H & S https://www.hse.gov.uk/news/coronavirus.htm

www.stewardship.org.uk Feedback or questions about future events hosted by Stewardship please email: Events@stewardship.org.uk Further questions on todays topic please email: Barry.walker@kingdom.bank Slides will be available after the webinar at www.stewardship.org.uk/covid-19

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