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Buildings & Contents
Places of worship, halls, offices and other premises may contain valuable fixtures, furnishings, equipment and belongings that need to be considered as part of your insurance arrangements.
PROPERTY & ASSETSReligious and faith organisations bring people together, provide support and play an important role in their communities. Protecting your people, property and activities is essential to continuing that work.
From places of worship and community buildings to volunteers, events and outreach activities, we help you consider the insurance arrangements that reflect how your organisation operates.
Religious and faith organisations often have responsibilities that extend far beyond their buildings. From welcoming congregations to supporting local communities, your activities can create a range of insurance considerations.
Understanding how your organisation operates is an important first step towards arranging appropriate insurance protection.
Places of worship, halls, offices and other premises may contain valuable fixtures, furnishings, equipment and belongings that need to be considered as part of your insurance arrangements.
PROPERTY & ASSETSWelcoming members, visitors and the wider public creates responsibilities around the safety of people attending services, meetings and activities.
PUBLIC RESPONSIBILITYTrustees, elders and committee members may have management responsibilities and decisions to make on behalf of the organisation.
GOVERNANCE & LEADERSHIPFrom employed staff to volunteers helping with services, administration and community support, the people involved in your organisation need consideration.
PEOPLE & EMPLOYMENTReligious celebrations, fundraising events, outreach work and community gatherings can introduce additional risks that should be considered.
EVENTS & ACTIVITIESOrganisations providing pastoral care, youth activities or support services may have additional responsibilities towards the people they work with.
PEOPLE & SAFEGUARDINGUnderstanding your buildings, people and activities helps identify the insurance considerations relevant to your organisation.
From protecting your place of worship and its contents to considering the responsibilities of employees, volunteers and trustees, we help you explore insurance options relevant to your organisation.
Protection for places of worship, halls, offices and other buildings against insured events, subject to the policy terms, conditions and exclusions.
PROPERTY & ASSETSConsider cover for furniture, furnishings, office equipment, sound systems and other contents belonging to your organisation.
CONTENTS & EQUIPMENTConsider protection against claims involving accidental injury to third parties or damage to their property arising from your organisation's activities.
PUBLIC RESPONSIBILITYIf your organisation employs staff, employers' liability insurance will generally be a legal requirement, subject to specific exemptions.
PEOPLE & EMPLOYMENTConsider protection for trustees and committee members against certain claims arising from alleged wrongful acts in their management responsibilities.
GOVERNANCE & LEADERSHIPConsider the insurance implications of religious celebrations, fundraising events, community gatherings and activities organised by your organisation.
EVENTS & ACTIVITIESWhether you manage a single place of worship or a wider network of buildings and activities, your insurance should reflect your organisation and its responsibilities.
The covers shown are examples of insurance that may be relevant. Availability, limits, exclusions and conditions will depend on the insurer and the individual policy wording.
Choosing insurance for a religious or faith organisation isn't simply about finding a policy. It's about understanding your buildings, the people you welcome and the responsibilities that come with the work you do.
At Dixons, we believe good insurance starts with a conversation. We take the time to understand how your organisation operates and help you explore appropriate insurance options.
SPEAK TO OUR TEAM →Speak to people who take the time to understand your organisation, rather than treating you as just another policy.
From places of worship and community premises to volunteers, events and outreach activities, we recognise that every organisation is different.
We help you consider the insurance requirements associated with your buildings, activities, people and responsibilities.
As your organisation changes, your insurance needs may change too. Keeping your arrangements under review is important.
Talk to Dixons about your organisation and the insurance considerations that matter to you.
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Read Our Google Reviews →Answers to some of the questions religious organisations and places of worship commonly ask about their insurance.
The insurance you need will depend on your organisation's activities, buildings, employees, volunteers and responsibilities.
Common covers to consider include buildings, contents, public liability, employers' liability and trustees' or management liability.
Buildings insurance can help protect your place of worship and associated premises against insured events, subject to the policy terms and conditions.
If your building is rented or shared, check your agreement carefully to establish who is responsible for arranging buildings insurance.
Public liability insurance is not generally a legal requirement, but it can be important for organisations welcoming congregations, visitors and members of the public.
It can provide protection against certain claims involving accidental injury or property damage arising from your organisation's activities, subject to the policy wording.
The protection available for volunteers depends on the policies your organisation has arranged and their wording.
Tell your broker about the roles volunteers undertake, including maintenance, events, community support and activities involving members of the public.
Most organisations employing staff are legally required to hold employers' liability insurance, generally with a minimum level of £5 million cover.
Certain exemptions apply, so it is important to establish whether your organisation falls within one of them.
Events, celebrations and fundraising activities can introduce additional risks, particularly where large numbers of people attend or temporary equipment and structures are used.
You should tell your broker about the events you organise and check whether they are covered by your existing policies. Additional cover may be required.
Trustees' or management liability insurance may provide protection against certain claims arising from alleged wrongful acts in the management of an organisation.
The scope of protection depends on the policy wording, insured persons, exclusions and limits.
Your insurance should be reviewed at renewal and whenever significant changes occur.
This could include acquiring new premises, employing staff, increasing volunteer numbers, introducing new activities or organising larger events.
Keeping your broker informed helps ensure your insurance arrangements continue to reflect your organisation.
Talk to Dixons about your requirements.
Whether you manage a place of worship, a religious charity or a wider faith-based organisation, having appropriate insurance arrangements is important.
Talk to Dixons about your buildings, people, activities and responsibilities. We'll take the time to understand your organisation and discuss your insurance requirements.
A personal approach to commercial insurance, built around understanding what matters to your organisation.