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REGULATIONS OF THE INSURANCE ACT 1995 (WANGARATTA DIOCESE)

2nd November 1995

In accordance with the provisions of the Insurance Act, 1995, the Bishop in Council hereby makes the following determinations and regulations.

1. The insurances required by the Act shall be effected with such company or companies as shall be approved by Bishop in Council from time to time.

2. Insurance policies in the names of the Bishop of Wangaratta, The Wangaratta Diocesan Trustees and The Wangaratta Diocesan Trustees (NSW) or any one or more of them shall be arranged for each of the following risks;

(a) Voluntary Workers [Clause 3(a)]

(b) Public Liability and Professional and Officers Indemnity [Clause 3(b)]

(c) Clergy and Lay Officers stipend/salary continuance [Clause 3(c)]

(d) Clergy Illness [Clause 3(d)]

(e) Industrial Special Risks [Clause 3(e)]

3. Until further regulations are made managing bodies shall be required to accept the following minimum covers as recommended by the Finance Committee in its report to the Bishop-in-Council each year.

(a) Voluntary Workers

Event Compensation

Death by Accident or
Disability of Voluntary Workers $150,000

Voluntary Workers aged between 11 and
15 years and 66 and 80 years
Death by Accident or Disability of
Voluntary Workers $7,500

Temporary total disablement $500 per week
(limit 52 weeks)

Compensation shall not be payable
in respect of Voluntary Workers
over the age of 80 years of age,
or under 12 years of age

Voluntary Workers aged between 18 and
75 years not in receipt
of wages or salary $250 per week
(limit 26 weeks)

Voluntary Workers aged between 12
and 18 years and 76 and 80
years not in receipt of wages
or salary $125 per week
(limit 13 weeks)




(b) Public Liability

General Public and Products Liability $20,000,000
Includes - Child Molestation Indemnity $ 1,000,000
(Total for all events in one insurance year)

Plus

Professional Indemnity/Officers Liability $ 1,000,000
"Retrospective" Liabilities $ 5,000,000


(c) Clergy and Lay Officers Salary/Stipend Continuance

For illness and/or total disablement 75% of Stipend/
Thirty day waiting period to salary and motor
recovery or age 65 years vehicle depreciation
allowance


(d) Clergy Illness (self insurance)

From 1st Sunday to day 30, payable to Parish $100 per week


(e) Industrial Special Risks Insurance -

Fire, Storm and Tempest, Flood, Earthquake, Impact, Malicious Damage and Damage by Aircraft

1. All Real and Personal Property of every kind and description belonging to the insured or for which the insured is responsible or has assumed responsibility to insure prior to the occurrence of and damage, including all such property in which the Insured may acquire an insurable interest during the period of insurance.

2. Gross Profit/Revenue following damage.

3. Electrical, Electronic and Mechanical Plant, Boilers, unfired Pressure Plant and Pipe Systems.

Sums Insured/Limits
Policy 1 Non Domestic Property $25,000,000
Policy 2 Domestic Property $ 5,000,000

Sub Limits
Accidental Damage $ 100,000
Burglary $ 50,000
Money $ 25,000
Glass Breakage Replacement Value
Property in Open Air $ 50,000
Goods in Transit $ 50,000
Machinery Breakdown $ 20,000
Food/Medicine Spoilage $ 20,000
Landscaping/Rockeries $ 50,000







Deductibles

1. Earthquake, Subterranean Fire or
Volcanic Eruption

(a) Non Residential $ 20,000; or
an amount equal
to 1% of Total Asset

Value whichever is the lesser

(b) Residential $ 200

. All Other Claims $ 1,000
Aggregate Deductible $ 20,000

4. Renewal of Blanket Insurance Policies will be implemented each year as follows:

Voluntary Workers } 1st March
Public Liability }

Clergy/Lay Officers Salary Continuance } 1st May

Industrial Special Risks } 1st September

5. Each managing body shall be notified each year of the proportion of the respective premiums in accordance with the Act, and shall pay such premiums by monthly instalments.

6. All communications concerning the insurances (including claims) between managing bodies and the respective insurers shall pass through the Bishop's Registry.

Inserted
Bishop in Council 10th July 1997

MAJOR LOSS REGULATIONS - BEFORE AND AFTER THE EVENT

7a. Records To Be Maintained By All Parishes And Diocesan Organisations

Each Parish will maintain the following information as part of its records -

(a) A photographic record of its buildings, both exterior and interior.

(b) A photographic record of contents, including monuments, memorials, stained glass windows, vessels and vestments and any other item of value.

(c) A written description of (a) and (b) including makers of windows or builders if known and details, eg if memorials are marble, brass, etc. Vessels silver, silver plate, gold, gold plate, etc., vestments types of materials.

Two photographic records must be maintained in separate buildings, eg one in the rectory, or the parish office if in a separate building or one in the home of a parishioner, preferably the parish secretary or treasurer. If a fire proof safe is available elsewhere records should be lodged therein. Records may be either photographs or video.

7b. Action To Be Taken In The Event Of A Major Loss

1. The Registrar must be notified immediately by telephone with written advice to follow.

2. The Registrar will then contact the Bishop and Regional Archdeacon.

3. The Registrar will advise the insurance/broker by telephone as soon as the loss occurs.

4. The damaged area is to be made safe after consultation with the Registrar.

5. The insurer will appoint a loss adjustor to act for the claim.

6. Clean up of damaged property must not be commenced or undertaken until after the insurance underwriter advises the loss adjustor.

7. The parish should seek to obtain premises to hold services or to replace housing as appropriate. The Insurance should cover such transitional costs.

8. Replacement of equipment, furniture, etc. for either temporary or permanent use must not be finalised until after consultation with the insurance underwriter or loss adjustor appointed by the insurance underwriter. The Diocesan ISR Policy will probably cover this.

9. If necessary a committee will be appointed comprising the Registrar as chairman, Rector/Priest in Charge, and three suitable members of the parish, with power to co-opt as and when necessary to confer with the loss adjustor. The Insurance Broker acting for the Diocese should be invited/requested to be part of the Committee and his advice sought at all time throughout the claim.

10. In the event of a major loss a second loss adjustor to act on behalf of the Diocese may be appointed. Provisions of the insurance policy provide for this appointment.

11. Suitable professionals will be appointed by the Loss Adjustor appointed by the insurance underwriter. The Committee should discuss such appointments with the Loss Adjustor and approve such appointments.

Professionals to include - Architect(s)

Structural engineer(s)
Quantity surveyors(s)
Builder(s)
Stone masons, bricklayers, etc
Specialists in timber work
Heritage consultant(s)
(as appropriate)

Person(s) with qualifications to assess value of stained glass, furniture, fabric, metalware, etc. This to include such items as communion vessels, memorials, including plaques, and other items such as regimental colours flags, etc left in the care of the church.

12. Once the amount of the loss has been provisionally arrived at steps must be taken to have all figures checked by appropriate professionals. The policy covers this provision and may include a second loss adjustor and other professionals as in item 10.

13. The Trustees will remain in control of the process of the assessment of the loss at all times and during the reconstruction of the lost property.