News Articles
Public Liability Limit of Indemnity Increased to £10M
The standard limit of indemnity under the church scheme increases to £10M on all policies from 1st January 2019.
Extended Cover for Unoccupied Manses
Following a number of water damage claims during the severe cold spell over the winter period of 2017/18 the General Assembly passed a Deliverance requesting that COSIS approach our insurer partners to seek an option for wider cover in respect of unoccupied...
Avoiding Underinsurance
Inadvertently some congregations may be exposed to financial loss by not keeping their sums insured and other limits under review. In this the latest in our occasional Church Guidelines series, we look at the pitfalls of underinsurance and how they might be avoided.
Improvements to the Church Scheme in 2017
We are pleased to announce that the Church Scheme has been enhanced for 2017, with more cover and reduced premiums for the majority of congregations. Effective from the 1st January 2017 your Scheme Policy will benefit from a number of improvements. A complete list of...
Insurance Premium Tax – increase in rate
The UK Government announced on 16 March 2016 that they’ll be increasing the standard rate of Insurance Premium Tax (IPT). From the 1 October 2016, IPT will be increased from 9.5% to 10% for all new business, renewals and additional premiums for mid-term adjustments...
Insurance Act
The Insurance Act 2015 comes into force on 12th August 2016 and introduces a new duty of fair presentation which congregations need to understand and comply with. In addition to the duty of fair presentation the Act makes an number of additional important changes to...
Improvements to the Church Scheme in 2016
We are pleased to announce that the Church Scheme has been enhanced for 2016, with more cover and reduced premiums for the majority of congregations. Effective from the 1st January 2016 your Scheme Policy will benefit from a number of improvements, including: Theft...
Insurance Premium Tax – increase in rate
The UK Government announced on 8 July 2015 that they’ll be increasing the standard rate of Insurance Premium Tax (IPT). The UK Government announced on 8 July 2015 that they’ll be increasing the standard rate of Insurance Premium Tax (IPT). From the 1 November 2015,...
Winter Advice – what to do when bad weather strikes
The bulletin has been created by our insurer partner Aviva and is designed to help you to deal with many of the common hazards affecting your church this winter. The idea of the bulletin is to increase your awareness of the potential risks that you might face during...
Metal theft remains a problem
Theft of lead and other metals from church roofs continues to be a major problem for congregations in Scotland. Theft of lead and other metals from church roofs continues to be a major problem for congregations in Scotland. Whilst it may not be possible to eliminate...
Letting of Manses
When a manse is let to a third party the following contingencies do not apply: Accidental damage Theft by the tenant In addition if in relation to any claim You have failed to fulfil any of the following Conditions, you will lose your right to indemnity or payment for...
The Church Insurance Scheme is commended at the General Assembly of 2013
It was moved and seconded as an amendment of the Deliverance that the General Assembly: “Commend the new Insurance Scheme offered by the Church of Scotland Insurance Company Ltd, instruct all Financial Boards and Courts to insure all ecclesiastical buildings for which...
Improvements to the Church Insurance Scheme in 2013
The first group of congregations to receive the benefit of the new arrangements will be those that have the Candlemas renewal date of the 28th February 2013. Some of the additional covers that are effective from the renewal date of each policy include: All available...
Theft of Metals
There are several measures which can be considered to deter metal theft attacks and they should be viewed as part of an integrated approach to deterring this type of crime. A recent initiative introduced by the Church of Scotland Insurance Company Ltd (COSIC) includes...
Changes to Church of Scotland Insurance Scheme Policy Cover
Here are a few of the benefits that are now available, and a full summary of the cover can be found here. Please note that whilst virtually all the new enhancements are included automatically, the addition of Accidental Damage to buildings and contents is only...
Insurance Survey Programme Underway
The principal focus of the survey will be your buildings and their insurance against the risks of Fire and “special perils” (such as storm, flood, malicious damage, etc.), the Aviva surveyor will also consider the insurance of the contents of your building(s),...
Employers Liability Tracing Organisation (ELTO)
ELTO is a new independent industry body which has been set up to make it easier for injured employees to trace their employer’s EL insurers where they are suffering from a disease or injury caused at work. Given the long-tail nature of EL insurance, sometimes by the...
Charity Trustee Insurance
This cover includes claims made against charity trustees for certain "wrongful acts" made against them in their personal capacity. Any damages awarded against an office bearer as a result of a wrongful act carried out in that capacity and also the cost of defending...
Weight of Snow – Property Protection
With widespread snow already affecting many parts of Scotland and weather forecasters predicting the cold spell will continue over the next week, there are a number of problems which may affect your property over this period.
We are moving
We will be moving office along the road to 121 George Street, Edinburgh, EH2 4YN on the 19th February 2015. All our usual contact details remain the same other than our fax number which is 0131 220 3113 from the date of the move. There may be some slight disruption to...
