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 available where the church has chosen to buy the full range of perils previously. Should you wish to arrange for your church to have the accidental damage enhancement, please contact us to make the necessary arrangements.
| Enhancement | Eligibility | Limits | Principal Exclusions |
|---|---|---|---|
| Contract Works | |||
| Including unfixed materials on site. | Automatic. | Contracts with a value of up to £150,000. | £500 excess theft and malicious damage. |
| Cafe | |||
| Liability cover extended to include this activity. | Automatic. | Public Liability £5m. Employers Liability £10m. |
|
| Charity Shop | |||
| Liability cover extended to include this activity. | Automatic. | Public Liability £5m. Employers Liability £10m. |
|
| Fundraising events, activities and exhibitions | |||
| Liability extended to include these activities. Plus stock and contents at fundraising events or where catering is provided. | Automatic. | Public Liability £5m. Up to £5,000 in respect of any one claim | Excludes hazardous activities, events lasting more than 48 hours, or combined entrants/spectators in excess of 1000. |
| Raffle prizes and goods donated | |||
| Cover on goods donated. | Automatic. | Up to £1,500 in respect of any one claim. | |
| Accidental Damage | |||
| For buildings and contents. | Included if you currently have full perils cover. | £250 excess, other exclusions apply – see policy wording for a complete list. | |
| Bequeathed property | |||
| Includes cover for buildings or contents bequeathed to the church. | Automatic | Up to 10% of the buildings sum insured or £250,000, whichever is the lower. Up to £25,000 on contents. | |
