Faith Communities

Faith Communities

Specialist Insurance Coverage for Faith Based and Religious Organisations

For 60 years, Ansvar has been providing specialist insurance and risk solutions designed to protect those serving our Faith communities becoming one of the largest insurers of non-Catholic religious denominations in Australia. In fact, Ansvar provides insurance protection and risk services to Christian churches of all denominations as well as synagogues, mosques and even Sikh, Buddhist and Hindu temples.

Importantly, we don’t just insure churches, we actually protect and support a wide range of Faith based organisations from those serving small local community congregations to some of Australia’s largest providers of education, health services, aged care, retirement care, disability care and allied health services.

Having established long standing relationships with the Faith communities over the years, Ansvar has developed an intimate understanding and knowledge of the Faith sectors insurance and risk needs and challenges and in so doing has specifically designed tailored products and solutions and critical risk management plans to protect the Church and a wide variety of religious denomination property, assets and people including clergy, volunteers, parishioners, worshippers, teacher, students, those in care and importantly vulnerable people.

Risk Management

Ansvar understands the increasingly complex challenges facing faith based and religious organisations today, especially in areas such as vandalism, theft or burglary, abuse and sexual molestation, as well as the protection of staff, volunteers and relics.

We assist our clients in the management of these unique risks through highly tailored risk management services that equip you with valuable resources and access to a team of highly respected and experienced risk specialists for ongoing support. Key risks in the Faith sector include vandalism, physical abuse and sexual molestation, theft and burglary, protecting staff and volunteers and protection of relics.

Vandalism
Phyiscal Abuse &
Sexual Molestation
Theft & Burglary
Protecting Staff
and Volunteers
Protecting Relics

Enterprise Risk Management

Our ERM Solutions

With a wealth of knowledge and expertise in insuring and protecting Faith communities, our team of ERM experts can help assess specific areas of risk and identify invaluable techniques for improving organisation wide practices to minimise such risks. Our ERM solutions include the provision of risk advice, risk assessments, risk insights and a range of risk tools and resources to help protect and safeguard people under your care.

Faith Community Insurance Products

Whether it’s insurance for pastors, religious properties or Public Liability Insurance for churches or other places of worship such as synagogues, mosques or temples, Ansvar has the specialist expertise, support capability and solutions to protect the unique insurance needs of Faith-based and religious organisations. Ansvar has a deep understanding of where Faith based organisations are vulnerable and have the right insurance solutions to protect your assets, liabilities and people.

 

Faith Community Insurance Business Pack
Industrial Special Risks
General Public and Product Liability Insurance
Management Liability
Professional Indemnity
Faith Community Insurance Policy Documents

Faith Community Insurance Business Pack

General Public and Product Liability Insurance

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party.  Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring.  In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party.

Physical and sexual abuse cover

Offered as an extension within the Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly.

MANAGEMENT LIABILITY

Management Liability Insurance protects you and your organisation against operational risks and exposures.

It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties.
  • Taxation investigation cost
PROFESSIONAL INDEMNITY INSURANCE

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability
Volunteers Personal Accident Insurance

Ansvar’s Personal Accident cover is designed to provide compensation to volunteers who provide services on behalf of the Insured if they are injured whilst providing those services. Unlike employees, volunteers are not covered under the Insured’s Workers Compensation Insurance Policy. Therefore it is vital that the Insured takes out this cover to protect the volunteers in the event they are injured whilst performing their volunteer duties. The Volunteers Personal Accident cover is a defined event policy, so there is no requirement for the Insured to be negligent in order to claim. It provides an upfront financial benefit in the event that one of the defined events of the policy occurs. It ensures the Insured organisation provides protection to one of its most important assets – its volunteer workforce.

*This cover complements Ansvar’s General Public and Product Liability Insurance policy.

Property Insurance – Commercial premises

This cover provides accidental damage to your insured property at the location(s) where you carry out your operations. Cover applies to the declared property for damage occurring during the period of insurance.

Property Insurance – Residential Premises

Property Insurance – Residential Premises covers you for accidental damage to your residential building and its contents.

Business Interruption Insurance

Business Interruption Insurance covers you for loss of income and/or increased costs of working as a result of damage occurring during the period of insurance.

Crime Cover

Crime cover protects you for loss of money, burglary or theft of property (other than money), and theft by officials.

Glass Breakage

Glass Breakage covers you for accidental breakage of external and internal glass including leadlight and stained glass.

Breakdown of Mechanical and Electronic Equipment

Machinery Breakdown covers you for breakdowns for equipment such as mechanical equipment, explosion of boilers and pressure vessels.

Electronic Breakdown covers you for the breakdown of electronic equipment, such as computer equipment or point of sale machines, at your location(s).

General Property

General Property covers you for accidental damage caused to specific items that you have elected to insure Australia wide.

Industrial Special Risks

Ansvar’s Industrial Special Risks Insurance (ISR) provides Material Damage cover and Consequential Loss cover for medium to larger Community Service organisations including Not-for-Profits with insurable asset values over $10 million. 

This policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property for losses from fire and perils, burglary, theft, loss of money, glass breakage and mechanical breakdown. 

GENERAL PUBLIC AND PRODUCT LIABILITY INSURANCE

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party. Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring. In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party.

PHYSICAL AND SEXUAL ABUSE COVER

Offered as an extension within the General Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly.

Choose the cover that’s right for you. With Ansvar’s General Public and Products Liability insurance you can add additional cover to suit your organisation’s needs.

Management Liability

Management Liability Insurance protects you and your Community Service or Not for Profit organisation against operational risks and exposures. It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties
  • Taxation investigation costs

Professional Indemnity

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability

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1300 650 540

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