The main problem with renting or renting church buildings to outside organizations is that your church can be held responsible for accidents or injuries, even if you were not the sponsor of the event. It`s easy to think that the group and its members would be responsible for their own actions, but often they are not. As the owner of the property, you could ultimately be held liable. It is best to have insurance for each group that uses your facility. Your agreement on the use of the facilities should include an insurance clause in the language. If the group has insurance, protecting your church is simple. Simply ask them to mention your church as an additional insured on its general liability policy and issue you a certificate of insurance attesting that your church has been added. This transfers the primary responsibility to their insurance and not to that of the Church. An agreement on the use of the facilities helps protect your church from liability, while providing you with space for external groups to meet with you. You can define the conditions of use of your premises by the group and indicate that they will be left in good condition and handed over to the church. You can also add a language that says the group is keeping your church unharmed and compensates it.
“Indemnification” means that the group agrees to reimburse your church if you have to pay damages as a result of an incident. One thing many churches don`t think about is their potential responsibility when they allow outside groups or other churches to use their facilities. Some churches may have a martial arts group, scouts, a daycare, or a separate church that uses the building. If someone from the group is injured at its site, the church could be held liable as the owner of the land. In addition to the legal responsibility of the Church, such accidents can increase the Church`s insurance premiums. The good news is that you can minimize the Church`s liability through an agreement on the use of the facilities. If uninsured groups wish to use Church facilities, the Church has several options: Take this important step before sharing your ecclesiastical institutions with an external group To learn more about ways to reduce ecclesiastical risk, call our risk management team at 866.621.1787 or email me at firstname.lastname@example.org. .