ARSON IN CHURCHES
Arson is unfortunately a very real threat to our buildings. Insurance will cover the material damage, but not the emotional, so it is important that preventative measures are taken.
Please click the link below to watch a video on arson in churches, and advice on the preventative measures we can take.
LIABILITY CLAIM FLOWCHART
MCNZ Employment Disputes Cover Flow Chart - English
MCNZ Employment Disputes Cover Letter - English
MCNZ Employment Disputes Cover Letter - Fijian
MCNZ Employment Disputes Cover Letter - Samoan
MCNZ Employment Disputes Cover Letter - Tongan
The Fund operates as a managed fund, where cover is purchased on a "calamity, first loss basis" for a sum sufficient to cover the Church's likely loss in a disaster affecting a part of New Zealand, e.g. an earthquake and consequent fire affecting Wellington, or a volcanic eruption in Auckland. The Church nationally carries a substantial share of claims made against the cover. Following Conference's decision, the Fund provides replacement cover as the standard unless the local Synod has recommended that, in furtherance of its agreed property strategy, functional replacement cover or cover indemnity cover shall be used, and MCPC has approved that recommendation.
Individual properties are protected through the Fund for the values recorded in the schedules of property used by the Fund, with individual values being reviewed every two years and adjusted by valuation, or other advice from parishes for contents cover or business interruption cover. The nominated sum insured is the maximum available to settle any claim; therefore it is vital that the properties insured are revalued by a registered valuer every two years. This includes commercial property as well as dwellings/residential property. The Insurance Fund provides a subsidy of 75% of the cost of the valuations.
The Fund expects parishes to only have to meet a modest excess in respect of claims and it allocated parishes a premium charge to cover the cost of the national insurance cover plus the risk assumed by the Church.
The Fund uses a national charge out rate per $100 of cover disregarding location, construction or any other consideration. This is contrary to normal insurance arrangements where premium rates vary depending on construction, location, earthquake zone etc. The Fund endeavours to express the concept of "connexionalism" where bigger help smaller or, in insurance language, the lower risk properties help the higher risk. A penalty premium applies to properties not meeting Conference requirements with regard to security/fire alarms.
Normally the Fund operates in surplus from year to year. This surplus is used to extend and improve the level of service and insurance protection available to the Church including the provision of a full range of liability covers for the Methodist Church of New Zealand.