JASPER, Ala. (BP) — Fall festivals can be fun but broken bones, food poisoning and burns are not. That’s why churches should take steps to protect themselves and their guests from unnecessary risks during special outreach events, experts say.
Before hosting any special event, a church should first make sure its insurance policy covers activities that are outside the normal ministry schedule.
“From a risk management standpoint, what often happens is that churches don’t think about exposures. They are only thinking about having fun. Danger doesn’t even cross their mind,” said Arthur Williams, an account executive with insurance firm Byars Wright Inc. in Jasper, Ala.
However, some insurance policies have special events exclusions, which mean if an injury or accident happens during the event the church has no insurance protection. A church needs to know the specifics of what its insurance policy will and will not cover.
“Check with your agent and confirm there is no exclusion and that the church does have liability and medical payments coverage for special events held on the premises,” Williams said. “Most of the time, you should be able to get your insurer to include that within your policy if it’s not already included.” [Read more…]