Helping you get the best deal

Our research suggests that Methodist Churches are often paying well over the odds on their church insurance, manse insurance, and possibly even circuit and district insurance. There are a number of reasons for this, not least that they are often unaware of what the ‘going rate’ is, or that they are ill equipped to negotiate a better deal. In addition it is important to review the terms of the insurance contract on a regular basis to insure that the cover is suitable and adequate, but often this doesn’t happen.

Experience suggests that you can find a much better deal. In fact we would expect that you could reduce your premium by well over ten percent while maintaning identical cover. At the same time it may be wise to ensure that youare adequately and suitbale covered for any eventuality, and this could lead to further savings.

We can put you into contact with a reputable broker, who has experience dealing with churches and the associated processes. They will obtain quotations for you from two or three of the biggest church insurance companies. These are all top rated (A-rated) major insurance companies with hundreds of years in the industry between them.

There is no obligation to accept any quotation, but we do hope that you will get a really, really good deal.

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The 3 types of Church Insurance

Church

Manse

Circuits and Districts

Each church has individual requirements, and so a policy should be formed to best address your church’s specific needs. Most Methodist churches have developed their activities beyond worship and fellowship on a Sunday and this needs to be reflected in adequate inusrance protection.

Church insurance offers a number of benefits and options which differ from standard commercial policies.

This might include:

  • The church buildings (and fixtures such as pipe organs, pulpits, pews and fonts;
  • External metal theft;
  • Loss of money;
  • Loss of income;
  • Contents and personal effects;
  • Trustees’ and Officers’ indemnity;
  • Losses following theft by officials;
  • Legal Protection;
  • Employers’ liability;
  • Public liability;
  • Minor building works;
  • Group travel - accidental damage and theft.

The above refers to just some of the main features that may be available on a church insurance policy. The terms, conditions and exclusions of a policy will be found in the policy documents.

Typically manse insurance provides insurance cover for church-owned residential property. In addition to the buidligns, cover is extended to include public liability and contents belonging to the church could be added.

You would select the insured value of the building and contents and from a few additional options such as accident cover, damage by emergency services, tracing and accessing leaks and lost or stolen key cover. The terms, conditions and exclusions of a policy will be covered in full in the policy documents.

Circuits and Districts are part of the structure of the Methodist Church and have unique insurance requirements.

Circuit and District insurance might include:

  • Public Liability;
  • Employers' Liability;
  • Trustee Indemnity;
  • Theft by officials;
  • Property damage;
  • Temporary accomodation (following insured damage to a manse);
  • Business equipment (insured for use away from the normal centre of work);
  • Legal expenses and legal helpline;
  • Personal accident;

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If you would like an introduction please complete the form below and tick the box to confirm that you are happy for us to share the your details with the broker

Do you know when the insurance is due for renewal?

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