CRE News

Don’t let your insurance get cancelled by Covid

Many churches do not realise their insurance claims have been potentially invalidated by the pandemic.

So says Russell Hickman, of Access Insurance, who points out how, with church premises not checked as regularly, even a leaky roof can fall foul of the conditions.

‘Few risk management or business continuity plans foresaw the possibility of closing premises for extended periods,’ says Russell, an advisor to churches for the Surrey-based company. ‘Charities in particular have faced the challenge of moving staff and volunteers to remote working.’

Income has also taken a huge hit.

‘Those who put gifts on a plate each Sunday were no longer doing so, but additional investment has been needed to put services online,’ said Russell. 

The majority of standard policies exclude any cover for Covid-19 related expenses or lost income. However the Financial Conduct Authority (FCA) has tested some policies in court to obtain a ruling on whether any cover exists and at least one church insurer is considering Covid-19 claims following a recent court ruling.

The case is based around extensions to the business interruption cover which traditionally covered losses stemming from damage at the premises insured, resulting in extra costs being incurred or loss of income as activity ceased. Over the years insurers have added non-damage extensions to the wordings to cover situations where, for example, the insured party could not access the premises for a variety of reasons, some of which included an outbreak of an infectious disease in the locality. Some insurers clearly define which diseases they cover, others are more ambiguous.

The FCA argued that the pandemic lockdown orders and the reluctance of people to continue in economic activity are ‘one indivisible cause’. The court passed a judgement, ruling that some policies did cover losses arising from the pandemic. A number of insurers appealed, but the Supreme Court ruled in favour of policyholders, ordering some insurers with ambiguous wordings to pay claims.

The ruling is unlikely to affect many non-profit organisations as several of the large specialist charity insurers had clear wordings, and the courts ruled they were not liable for Covid-19 business interruption losses.

Some charities were aware of the extent and limitations of their cover but a significant number believed they would be covered for Covid-19 related losses and expenses under their business interruption cover. While it was possible to purchase standalone ‘pandemic insurance’ before Covid-19, these policies were prohibitively expensive for most organisations and very few of these policies exist – cover for Wimbledon Tennis is one such example.

In addition, there is usually limited cover under business interruption policies for losses which do not arise from a defined peril (insured risk) like ‘damage to property’, i.e. having to use another office following fire damage to your own premises.

Aside from any contractual obligations, a group of insurers have donated over £80 million to a Covid-19 Support Fund, designed to assist community-based charities and those supporting the most vulnerable in society. The fund is being administered by a network of larger funding charities including the National Emergencies Trust. Insurers have generally been willing to be more flexible than normal with contract terms and obligations because of the pandemic and lockdowns/ tier system. Many insurers have waived or relaxed stringent policy conditions which would normally apply to buildings which become unoccupied for example.

Insurers are taking different stances on liability cover as policies are renewed, with some adding blanket Covid-19 exclusions and others making no amendments. In the main, larger charities are reviewing costs and seeking leaner insurance programmes which provide the essential cover they need, without some of the optional covers they might have opted to purchase before the pandemic. Key information which determines the cost of a policy should be shared with insurers as soon as possible. This includes projected income and wage roll figures and any change in activities.

Having a remote workforce means charities will want to review the insurance they have for office equipment, possibly widening the cover to include risks such as theft of laptops from employees’ homes. Similarly, if their insurance covers the running of the events and the hiring in of equipment. they will want to review whether the event will proceed and whether cover is required.

Access Insurance works with over 15,000 churches and charities to understand their unique risks and build specific policies – so organisations only pay for the cover they need. Access is willing to offer advice to churches and charities struggling to understand their position and they are invited to contact Russell Hickman for advice and support.

Access are exhibiting at CRE National (12-14 October 2021, Sandown Park, Surrey) and CRE South West (23-24 Feb 2022, Westpoint, Exeter)

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Time for the voice of experience on your fund-raising journey

While your church’s income may have taken a hit, the pandemic has provided you with a timely opportunity to give clear, direct talking on fundraising to members and supporters, say Action Planning.

‘If you are planning an appeal to pay for an improvement, or are already involved in such an initiative, you might now be asking if it has any meaning in the context of the pandemic,’ said Sean Tully, Action Planning’s lead associate for church capital fundraising. ‘Or you might be asking if this is the ideal time to push ahead with a capital appeal at all.’

With more than three decades of experience in helping not-for-profit organisations, Action Planning are taking the past 12 months into account when advising on major projects.

‘We have the privilege of talking on a weekly basis with churches the length and breadth of Britain,’ said Sean. ‘From the rural village church looking to install toilets and a kitchen, to the inner-city church completely rebuilding its premises to include housing accommodation and community facilities – and everything in between – we can help.

‘Our team of experienced, Christian fundraisers understand how you are feeling. We have walked the journey that you are on, or something very similar, and have learned the importance of “Committing to the Lord whatever you do, [so that] he will establish your plans” (Proverbs 16:3). Above all, we understand that the one thing every church capital appeal has is a community of faith, of place and, as the last 12 months have shown, of hope.’

Contact Action Planning to arrange a free, no-obligation chat about your project.

Action Planning are exhibiting at CRE National (12-14 October 2021, Sandown Park, Surrey)

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Sound advice: ignore the end user at your peril

Your morning service is about to begin and the technologically-literate person who operates the AV equipment is not available – what do you do?

Andy Pidsley, managing director of APi Sound and Visual, believes the end user is the most ignored factor in most installations – but arguably the most important. 

‘No matter the quality of the equipment, everything hinges on whether your users know how to operate it properly,’ explains Andy. ‘It is important to find out who is available to form a small team operating the AV.’

Often there is someone who has a greater understanding of what is required.

‘We call them Super Users – great to have around when things go wrong!’ says Andy. ‘However, I suggest your system is designed around the average level of ability so everyone is comfortable operating it. If your Super User is unavailable, you won’t be left floundering.’ 

Nowadays there are some great products that allow you to achieve great sound and images and still keep the user interface really simple. Many also automatically reset to the default settings so you never get caught out if changes have been made by previous users. 

‘A crucial part to our installations is a thorough handover with training and full after-sales support,’ said Andy, ‘so that all users feel confident using the system. Because of APi Sound and Visual’s many years of experience and technical know-how we can look at your project and tailor it to completely suit your church – and most importantly, your users.’ 

Click here for more information

APi are exhibiting at CRE National (12-14 October 2021, Sandown Park, Surrey) and CRE South West (23-24 Feb 2022, Westpoint, Exeter)

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Empty stage leaves entertainment industry ‘in meltdown’

Artistes and performers from the West End and across the UK have created a special video helping us pray for the arts and entertainment industry.

‘After the devastating effect that Covid-19 has had on our industry, the weekend of the BAFTA Awards (April 11) presented us with a welcome reminder that we need prayer more than ever!” said Chris Gidney, director of Christians in Entertainment. ‘As a commercial producer, writer and performer myself, I know how pressurised working in the business can be at the best of times but this year’s pandemic has caused huge destruction on people’s health, careers and creativeness – and we are still not sure when it will all get back to some sort of “normal”. 

‘Some commentators in the media have suggested the entertainment business is in meltdown. This may be over dramatic but the crisis has certainly enabled people to see that showbiz is not all glitz and glamour and millionaire celebrities.’

The short video – created by Christians in Entertainment, Theatre Chaplaincy UK, the Arts Centre Group (celebrating 50 years in 2021) and The Catholic Association for Performing Arts – features performers, artists and creators presenting a prayer which can be watched here.

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The secret is neat and discreet

Looking to enter the age of streaming in a traditional place of worship? ICS Furniture may have the perfect and subtle answer.

St Paul’s, Slough, is located just north of the town centre and was built more than 100 years ago. Of traditional high Anglican style, it is faced internally and externally with stunning red brick and stone columns.

‘By creating a new main entrance in the south wall of the side chapel, the chapel and chancel has become a new foyer and hub for the building,’ explained Martha Clancy, market development manager at ICS. ‘The nave remains as the worship space with a new dais and seating. This creates more usable space and a better organised building.’

Designed by fellow CRE exhibitors JBKS Architects of Oxfordshire, the traditional church pews were replaced with the ICON 40 chairs (main picture) from ICS Furniture. The chair answered the need to create a more usable space. The intentional mixture of chairs with cross carvings and plain backs adds a further style dimension to the project.

And ICS also designed and crafted a discreet, eye-friendly sound desk (pictured above) to house the equipment required during services and events –a much-needed resource in this new age of services streamed live on the Internet.

ICS Furniture and JBKS Architects are exhibiting at CRE National (12-14 October 2021, Sandown Park, Surrey)

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Pray through May for young people in search of hope

A new poll has found a rise in spiritual openness among young people during the pandemic.

The survey, conducted by Savanta ComRes and commissioned by YourNeighbour, found that more than two in five 18 to 34-year-olds in the UK have prayed more often since the start of the pandemic and that one in three have read the Bible more often. The study involved 2,065 respondents and was conducted as part of the YourNeighbour Give Hope campaign running throughout Lent. 

Dr Russell Rook, the co-founder of YourNeighbour, told Premier Radio: ‘Two in five young people have been praying more, 31 per cent have looked in the Bible to see if there’s some useful advice and guidance there. More than one in four have tried out church online. Maybe they wouldn’t have gone to the church at the end of the road but felt they could do it on their laptop, phone or iPad.’

In May, Youth for Christ are hosting a month of prayer for young people, called Pray Through May. 

‘The month will be constructed around a prompt word that changes each day and forms the basis for asking the Holy Spirit to guide us in prayer,’ said Bethan Lawler, YFC’s national prayer coordinator. ‘You will also receive a short, helpful devotional and video for further inspiration.’

National Prayer Day, an online event on the 30 April from 10am to 2pm, will kickstart the initiative with several contributors, including many from YFC’s local centres, along with Mike Andrea from 24-7 Prayer and Canon J. John.

Click here to find out more about YFC’s Pray Through May.

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The new you – in bamboo

Clerics sporting clothes made of biodegradable bamboo could soon be de rigueur – if one woman’s ideas catch on.

Lottie Sparey (pictured) is founder of Lottie’s Eco, a husband-and-wife team from Worcestershire who make clergywear from organic bamboo. ‘True comfort lies in that ahhh… feeling when you put something on after a hard day,’ she said. ‘I was studying contour fashion at De Montfort University and became interested in creating next level clothing that would look great and also protect the planet.

‘Bamboo is an amazing product, replenishing itself, once cut, within a year. A prolific grower, it needs no fertiliser or chemicals and very little water. It is 100 per cent biodegradable, absorbs more carbon dioxide from the air than cotton or timber and releases more oxygen into the environment. Unlike polyester and nylon synthetic fabrics bamboo breathes and has a unique softness which makes for great wearing.’

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Dementia in lockdown: piecing together ‘lost’ lives

A third of people living with dementia felt like ‘giving up’ during lockdown, according to research by the Alzheimer’s Society.

And three in ten went for at least four days without a significant conversation with others.  

‘For carers and churches serving older people, knowing how to support those impacted by dementia can be incredibly difficult,’ said Louise Morse, a cognitive behavioural therapist and expert in dementia. She has written an information pack, Putting the Pieces Together, full of insight into dementia and related illnesses.

As well as practical information, the pack centres on the spiritual well-being of those living with dementia, and those caring for them. It is threaded through with the biblical principle that the person always remains – regardless of cognition or capacity. It also covers information and guidance at the point of diagnosis, support for the caregiver and ways to make the home safe for those living with dementia. 

‘When dementia comes into your life you need all the information you can get – but you don’t have time to read a book about it,’ said Louise. ‘Secular advice springs from the understanding that we are simply the sum of our parts but within a Christian context we are eternal beings in human bodies.’

Click here for more information about the pack which costs £12.

Louise, who works with the Pilgrims’ Friend Society, has also recorded a seminar offering practical and spiritual support for dementia caregivers, on CRE TV. You can watch it here.

• Pilgrims’ Friend Society are exhibiting at CRE National (12-14 October 2021, Sandown Park, Surrey) and CRE South West (23-24 Feb 2022, Westpoint, Exeter)

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Look up from lockdown

Lockdown Lent will be followed by an at-home Easter, so CRE has teamed up with Little Worship Company to dispel the gloom and bring young people some top-quality, seasonal DVDs – for free.

Wonderborn Studios create shows that set out to entertain and engage young people as much, if not more than similar offerings elsewhere – all the while communicating what it is to live like Jesus, i­n peace, hope and love.

And, as a special offer to CRE News readers, you can discover one of their DVDs, for postage cost alone. Bring the order up to £10 – the colouring books and devotionals are also good value – and the postage is free, too!

‘By the time a young person reaches 18 they will have engaged with media – film, tv and games – for 35,000 hours,’ explained Wonderborn’s Duncan Reid. ‘During the same period they will have spent 9,000 hours in school, 2,500 hours talking with their parents and 900 hours in church. With this glaring disparity it’s no wonder that the good news of Jesus is often drowned out, meaning fewer young people are carrying on in faith into adulthood.’

Beautiful, fun and colourful, Wonderborn’s products have young people right at the centre – helping families discover God together.

‘If you know families in your community who would also benefit from this offer, please share it with them,’ said Duncan. ‘While we’re all stuck at home this is a great way to share the freedom that is ours in Jesus.’

• Click here to order your free DVD.

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Your event: the future’s bright, the future’s hybrid

As we enter the new world of hybrid events, one centre is pioneering the perfect solution for your church.

‘At Yarnfield Park you can stay with us and enjoy our spacious leafy green site and comfortable conference facilities,’ explained Yarnfield’s Natalie Hulme. ‘At the same time, those church members unable to join you in person can tune in from the comfort of their own homes.’

The centre offers use of up to three of the latest 4k high-definition cameras, enabling organisers to stream live events around the world.

A spokesperson from the Methodist Diaconal Order said: ‘The staff at Yarnfield Park are professional, friendly and have the most helpful “can do” attitude and are a delight to work with. They have worked closely with us to look at lots of options for our annual convocation to take place as a hybrid event. Best of all, we don’t have to worry about any of the technological aspects and can still achieve a professional, high-quality result.’ 

• Yarnfield Park are exhibiting at CRE National (12-14 October 2021, Sandown Park, Surrey)

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