Preventing Liability Risks in Your Church

a church

Churches are hubs of activity; as such, there is always a chance that a congregant, staff member or a visitor might get injured in on church property. But churches should be a place of safety, meaning that you should take measures in order to protect your church and everyone involved from an accident.

In order to minimize this injury risk, churches should have general liability insurance. By getting this coverage, churches can protect their financial safety. This insurance protection can also usually provide any compensation the injured party may need.

Aside from purchasing the right insurance, there are measures you can take to protect against accidents before they happen.

Consider these steps to ensure that everyone who comes into your church is safe from injury:

Reduce fire risks when possible. Place lit candles away from flammable items. Many churches are now using electric candles to reduce the risk of flames. Make sure church members are responsibly trained in candle placement. Have a professional inspect the electrical wiring, heating systems and other fire-prone machinery.

Mark stairwells, steps and other potential fall risks. Keep warning signs like wet floor signs on hand.
Keep security systems — such as locks, alarms and smoke detectors — in good working order.
Ensure that handrails are secure. Check carpets to make sure they are smooth. Check flooring for cracks or breaks.
Make sure that seating areas are secure and don’t pose a risk breaking. If members use an altar, make sure this area is also safe.
Mark fragile items, such as glass containers and heavy metals. Make sure people know not to touch them.

If you have a balcony, get it inspected regularly. Have interior structures — such as foundations, staircases and walkways — checked annually.
If you have a kitchen, make sure appliances function properly. A malfunctioning item could injure a parishioner. Ensure that there are proper use instructions for these items in plain sight.
Make sure all areas are properly lighted.
Be aware of any potential risks in parking lot. There should be clear paths to and from entrances. Also, close off areas that may have safety risks.
If you have recreational equipment, make sure it works properly

Only professionals should handle church maintenance, inspections and construction.

Always know which areas are dangerous for church members and staff. In the event an unfortunate accident occurs, personal injury liability insurance can provide financial protection. Contact an insurance agent about protecting your church.

Preventing Liability Risks in Your Church

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