Community of Christ

High Risk Activities

High Risk Activities

Guidelines for Higher-Risk Activities

Guidelines are presented here for church-sponsored activities that are deemed higher-risk. The expectation is that leadership will assume the needed responsibility to understand and implement these guidelines with wisdom and effectiveness. It is important that youth as well as adults have fun if it is provided in the context of care and safety.

Lifeguard requirements for all water activities.

These guidelines are divided into four sections:

Activities Approved with Qualified Supervision

These activities are to be supervised by responsible, focused adults. Attempts should be made to anticipate negative behavior and try to prevent its occurrence.

  • Canoeing
  • Cycling (must wear helmet)
  • Low Ropes Courses
  • Pool Slides (specific requirements)
  • Rowing
  • Slip and Slides
  • Unenclosed Inflatable Obstacle Courses
  • Water Trampolines

Activities to be Contracted with Professional Companies*

To engage in the following activities, you must contract with a professional company that must provide a certificate of insurance evidencing general liability insurance covering their operations and provide on-site supervision. Their limits of liability coverage shall be at least $1,000,000 per occurrence and $2,000,000 in the aggregate. Their insurance coverage will name the COMMUNITY OF CHRIST as an Additional Insured (sample).

NOTE: When participating in a higher-risk activity that would normally require a contract with a professional company at their site or location, we will not require a certificate of insurance from the establishment.  By traveling to their site, we lessen our potential liability because they are the host and have complete control over the physical properties, buildings, equipment, and supervision. 

To participate in one of these listed activities at their location, follow these steps:

  • Contact the establishment and learn about their particular requirements concerning age, height, experience level, etc., and about their waiver and release policy.  If waivers are required, make arrangements to have them completed prior to the group visit, especially if minors are in attendance that require parental approval.
  • Observe the activity and the location, looking for environments or practices that would make this an unsafe activity for your group.
  • If there are none and you decide to participate, also use our waiver and release form.

If you have any questions about higher-risk activities at another site, please contact us to discuss.

If these guidelines are not followed and an accident occurs, the sponsoring jurisdiction will be responsible for the first $10,000 of any loss paid or defense and claims handling expenses paid. Jurisdictions are NOT permitted to purchase an outside insurance policy to cover this potential exposure. Insurance coverage for any purpose within Community of Christ is acquired exclusively through the Risk Management department.

  • Carnival Rides
  • Dunk Tanks
  • Fireworks
  • Gyroscopes
  • Horseback Riding/Pony Rides/Petting Zoo
  • Judo/Karate/Martial Arts
  • Kayaking
  • Moon Walk and other enclosed inflatables
  • Rock Climbing
  • Scuba Diving
  • White Water Rafting
  • Ziplines

Activities Requiring Specific Expertise*

Some higher-risk activities require participants to possess a significant degree of expertise and preparation before they safely participate in them. For these activities each group must be supervised by someone holding a current instructor's rating from a nationally recognized certifying body and/or have documented experience indicating specific knowledge and skill in teaching the activity.

Where it is difficult to supervise each participant, the instructor must prequalify each one who has sufficient experience to perform the activity independently. General supervision is to be provided for these participants. All others must be directly under the watchful guidance of the instructor.

If these guidelines are not followed and an accident occurs, the sponsoring jurisdiction will be responsible for the first $10,000 of any loss paid, or defense and claims handling expenses paid. Jurisdictions are NOT permitted to purchase an insurance policy to cover this potential exposure. Insurance coverage for any purpose within Community of Christ is acquired exclusively through the Risk Management department.

  • Archery
  • Cave Exploring
  • Rappelling
  • Sailing
  • Snorkeling
  • Snow Skiing/Snowboarding
  • Water Skiing/Tubing
  • Windsurfing

When participating in a higher-risk activity that requires specific expertise at another site or location, we will not require a certificate of insurance from the establishment, and the following guidelines should be followed:

  1. Contact the establishment and learn about their particular requirements concerning age, height, experience level, etc., and about their waiver and release policy. If waivers are required, make arrangements to have them completed prior to the group visit, especially if minors are in attendance that require parental approval.
  2. Observe the activity and the location, looking for environments or practices that would make this an unsafe activity for your group.
  3. If there are none, and you decide to participate, also use our waiver and release form.

If you have any questions about higher-risk activities at another site, please contact us to discuss.

Activities NOT Permitted**

The following higher-risk activities are NOT permitted on church property nor to be sponsored at any location by church jurisdictions.

  • ATV (four wheelers)
  • Bungee Jumping
  • Fencing
  • Firearms Usage or Classes (including paint ball games, pellet guns, BB guns, and air guns)
  • Hang Gliding
  • Hot Air Ballooning
  • Hunting with firearms, bow and arrows, traps, etc.
  • Jet Skiing
  • Jumping/Diving from Rocks/Cliffs (Rocks are defined as large stones in excess of 6 feet in height from the ground or water. Cliffs are defined as a high steep face of rock or soil in excess of 6 feet height from the ground or water.)
  • Lawn Darts
  • Motocross
  • Nighttime canoeing
  • Nighttime Lake Swimming
  • Nighttime Pool Swimming (without pool lights)
  • Pool Diving (Diving boards are not permitted; existing ones MUST be removed.)
  • Skate Boarding/Skate Board Ramps
  • Skydiving
  • Small Plane Riding
  • Snowmobiling
  • Trampolines
  • Ultra-Light Flying

If a jurisdiction, camp, or congregation sponsors an activity listed in the Activities NOT Permitted section and an accident occurs, the sponsoring jurisdiction, camp, or congregation will be responsible for the first $50,000 of any loss paid, or defense and claims handling expense paid.

NOTE

* If the guidelines in the Activities to Be Contracted with Professional Companies and Activities Requiring Specific Expertise sections are not followed and an accident occurs, the sponsoring jurisdiction will be responsible for the first $10,000 of any loss paid or defense and claims handling expenses paid. Jurisdictions are NOT permitted to purchase an insurance policy to cover this potential exposure. Insurance coverage for any purpose within Community of Christ is acquired exclusively through the Risk Management department.

** If a jurisdiction, camp, or congregation sponsors an activity listed in the Activities Not Permitted section and an accident occurs, the sponsoring jurisdiction, camp, or congregation will be responsible for the first $50,000 of any loss paid or defense and claims handling expense paid. Jurisdictions are NOT permitted to purchase an outside insurance policy to cover this potential exposure. Insurance coverage for any purpose within Community of Christ is acquired exclusively through the Risk Management department.

Please contact Risk Management Services at (800) 825-2806 if you are planning to sponsor any of these types of activities. The activities listed and discussed are not meant to be all-inclusive and these lists may be updated at any time, so please contact us if you have any questions or comments.

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