of how we can help
from the standard requests of the UK's churches, we've helped
insure some of the more unusual ministries offered by churches.
Church Hastings starts a Food Bank
of our Newfrontiers church clients started operating a food bank
which provides emergency food to people in crisis. They encourage
members of the public to donate non-perishable, in-date food items
for the food bank to distribute. Volunteers sort food to check that itís in date and pack it into boxes ready to be given to people in need.
Care professionals such as doctors, health visitors, social workers, CAB and police identify people in crisis and issue them with a foodbank voucher.
Foodbank clients bring their voucher to
the food bank where it can be redeemed for three days' emergency food. Volunteers meet clients over a cup of tea or free hot meal and are able to signpost
them to agencies able to solve the longer-term problem.
Knott Insurance was able to help the church by looking at the
potential risks this new venture posed and adjusted their cover
accordingly. Some of the exposures didn't need covering with
insurance - they just needed managing so the risk was vastly
Baptist Church's football ministry
a number of successful Summer Soccer Schools at the church,
operated by external charity - Sportsreach, Sandhurst
decided to utilise the gifts of some of its members to setup and
run a regular Saturday morning soccer school.
Knott Insurance advised
them of the risks involved and highlighted the sports regulations
which they needed to adhere to. For example, children under the
age of 7 must not play competitively, consideration must be given
to the age group splits to ensure that children of vastly
different ages do not play against each other and shin pads should
always be worn. Again, there was a realistic mix of providing cover
for the activity and designing adequate risk reduction strategies.
building is former nightclub
Door Church Kettering
bought a building (formerly a nightclub) where one of the rooms
they used, accessed from within the church building, was actually
part of the neighbouring property. They had arranged, as part of
the purchase, to continue using the room. As they didn't own it
there was concern as their insurance policy would not provide
Knott Insurance successfully negotiated with insurers to include the use of this room even though it is owned by someone else.
saving of over £1700
had 4 insurance policies in place - 2x
Property Owners policies to cover the Manses that they let out, 1x Church policy and
1x policy for their onsite pre-school. There was some overlap in
the cover and they were concerned that their needs were not being
met by the current broker.
Knott Insurance conducted a site visit prior to renewal of the
Property Owners policies and the Church policy and achieved a significant
saving for the church. With the Property Owners policies we checked the market and were able to save the client
over £140 on these policies alone (over 20% saving on their renewal offer).
On the church policy we looked at the cover and suggested they were
under-insured for Business Interruption. Even with the increase in
cover we were able to save the church more than £1320 (around 25% on their renewal premium).
We also found that the pre-school was already covered under the existing church insurance
policy. So they didn't need the extra policy. The only gap we found was that their pre-school insurance policy had
Professional Indemnity cover which would not be covered under their church policy.
So we arranged a separate Professional Indemnity policy. By
removing their unnecessary cover Chris Knott Insurance saved them a further
Since we have been looking after this church's insurance, they
have begun extensive renovations which include installing a lift. We have been able to
supply cover for the
building work whilst it is being undertaken. Our arrangements also
cover the Engineer costs of the necessary twice yearly lift inspection.
benefit from Chris Knott's expertise you should call
01424 205062 and ask us to quote for your church
insurance. Alternatively, click here to request a
church insurance quote.