Risk Management  | |
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Outside Entities Utilizing Church Facilities and Campgrounds
Purpose
The church desires to promote community service and involvement
by allowing church facilities and grounds to be utilized by outside entities.
Who Does This Affect?
This policy affects any outside entities, groups, or programs
that are not directed, controlled, or organized by the church. This includes
schools, preschools and daycares since congregations are NOT permitted to
operate any of these programs. (See note below regarding After
School Programs). This then applies to meetings, gatherings, or programs by
non-church entities who utilize the church facilities or parking lots.
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Exception: any persons who utilize our facilities
for weddings/wedding receptions, funerals, and family reunions.
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Restriction: facilities are NOT to be used at any
time for receptions or gatherings where alcoholic beverages are being
consumed.
Insurance Requirements
In order to protect the church’s facilities and to limit
potential liability that the church might suffer from allowing these entities to
utilize church facilities and grounds, the following insurance requirements must
be obtained from the outside entities before the facilities are reserved and
committed.
The church must receive a
Certificate of Insurance that
reflects the following requirements:
General Liability Insurance–Either commercial general
liability or event general liability coverage evidencing the following:
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Limits–$1,000,000 per occurrence/$2,000,000 aggregate
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Covering–bodily injury, property damage, personal
injury, advertising injury, products/completed operations
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Medical Expense–$5,000 per injury
Sexual Abuse Coverage–$1,000,000 per occurrence,
$1,000,000 aggregate (This is required for any organization where children
and youth are participating.)
Automobile Liability–owned, non-owned and hired
vehicles (if applicable)
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Limits–$1,000,000 combined single limit
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Medical Expense–$5,000 per injury
Workers’ Compensation (WC) and Employers’ Liability (EL)
Insurance
Additional Insured–Community of Christ and the local
jurisdiction must be named as Additional Insured on each Certificate of
Insurance.
Insurance Coverage Approval
Certificates of Insurance are to be faxed to
Legal Services for review and approval as the
lease agreement is being prepared. The fax number is (816) 521-3099. Questions:
1-800-825-2806 ext 2220.
After School Programs
Congregations ARE permitted to organize and operate After School
Programs if they meet the following criteria:
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Operates during “after school” hours
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Supported as a ministry of the congregation
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Not for profit intent—although fees could be assessed to
cover expenses
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Funded at least partially through the congregational budget
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All staff are certified youth workers
Updated:
03/17/2008
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