What’s included

Buildings & Contents

• Cover for your place of worship, community centre or ancillary buildings, including fixtures, fittings and furnishings.
• Protection for valuable items such as organs, sound systems, instruments, and worship materials.
• Includes minor construction or refurbishment works where required.

Liability & Trustee Cover

• Public liability for visitors, congregation members and community users.
• Employers’ liability, including authorised volunteers and staff.
• Trustees’ and management liability, protecting those responsible for governance.
• Hirers’ and products liability, ideal for community groups hiring space or running events.

Business Interruption

• Covers loss of income or additional expenses if your premises become unusable following insured damage (e.g. fire, flood, vandalism).
• Protection if access is restricted due to nearby property damage or public authority orders.

Legal & Reputational Support

• Legal expenses cover for contract disputes, employment issues, and charity governance.
• Assistance with public relations and legal defence costs in the event of reputational harm.

Equipment Breakdown & Money

• Cover for key equipment such as heating systems, computers, organs and AV systems.
• Protection against theft of cash from safes or during transit, with optional personal assault cover.

Optional Extensions

• Event cancellation protection for religious festivals and community events.
• Cyber risk cover for organisations handling member or donor data.
• Heritage & listed building protection for older or historic places of worship.