I think the vast majority of ringers totally misunderstand insurance for ringing and ringers, and many Guilds and Associations spend significant sums of money unnecessarily. Marcus Booth of Ecclesiastical gave an excellent presentation at the ART Conference a few years ago, and a recording is available on ART’s YouTube channel. The presentation was repeated at the CCCBR Roadshow at Goldsmiths.
I am not an insurer, but my experience comes from the other side of the fence. Rather than start by arranging a policy I think it is important for ringers to start by considering the risks and undertaking a risk assessment.
Typical situations could be:
1. Jane a member of the Sunday band at Little Snoring slips down the worn tower steps after Sunday morning ringing. There is no handrail or rope to hold on to, so she falls a long way and breaks several bones. The worn steps have previously been reported to the PCC, but no action has been taken.
2. John the steeplekeeper at Little Snoring needs to check the ropes in his tower for wear. He goes up alone and without a mobile phone and slips off the frame and seriously injures himself. It is many hours before he is found and as a consequence of the delay and his injuries he has to take significant time off work.
3. There is a tall vertical wooden ladder up the bells at Little Snoring, without any hoops or a fall arrest system. The top of the ladder is over 16 feet high above a stone floor and a ringer falls off while attempting to lift the heavy trap door at the top, and is seriously injured. There is no risk assessment in place for use of the ladder, or any routine inspection of it.
4. Peter, a member of the local band at Little Snoring, is electrocuted and dies when switching off a faulty fan heater after practice. No PAT testing regime is in place.
5. John the steeplekeeper is concerned that pigeons have got in to the tower. After replacing the wire netting he removes the pigeon droppings and disposes them. A few days later he becomes seriously ill. No guidance or PPE has been provided by the PCC.
6. James, another member of the local band rings up the tenor on practice night. Unbeknown to the ringers the Vicar (or churchwarden) has let telecomms engineers up the tower. They climbed up the ladder past the tenor and dislodged the slider as they hoisted up their equipment. As they were not ringers they did not know to replace it. No one checked after their visit. James is relatively tall and it is a heavy bell and he had not let the last coil out, when the bell was up. As a consequence when he tried to set the bell, James was lifted several feet into the air and fell awkwardly, breaking several bones, as well as receiving rope burns.
None of these are Guild or Association events. The point I am making is that the PCC have duties under the Health & Safety at Work Act which include the provision of:
a. a safe system of work;
b. a safe place of work.
In addition, the PCC have duties under other legislation and common law.
Therefore, they usually have Employers Liability Insurance, typically with £5 or £10 million cover. As Marcus explained in his presentation, although ‘volunteers’ members of the local band will be treated as ‘employees’ and covered by the PCC’s insurance. In addition, the PCC will also have Public Liability Insurance, which will cover visiting ringers, and other people who could be expected to visit the church (e.g. guests at a wedding).
Therefore Guilds and Association with their own cover might be able to claim against this, but there is usually a clause saying that they will only be covered if there is no other insurance in place. If any of these incidents happened the insurers would then make a claim against the PCC.
Therefore in effect Guild and Association Insurance only covers incidents at Guild and Association events, and for which the Guild and Association is responsible – e.g. despite being warned not to do so, someone lets off the clock-hammers whilst the bells are still swinging and this smashes some wheels and cracks a bell.
Some Guilds and Associations also have personal accident insurance, but this is very expensive and the benefits are very low. £20,000 for a death would not cover the mortgage payments for a young person who is the main breadwinner for a family. As people’s personal financial circumstance vary significantly it is better that they have their own personal accident cover (and many do already).
The Sufffolk Guild paid £390.36 for Members Accident Insurance (up to £5k) and £347.03 for Public Liability Insurance and £103.60 for Property Damage insurance in 2021 InsuranceSummary20201006.pdf (<a href="http://suffolkbells.org.uk" target="_blank" rel="nofollow">suffolkbells.org.uk</a>)
The MCA&LDG Paid £1,045 for Personal Accident Insurance (up to (£20k) in 2021. It does not hold Public Liability Insurance Insurance (bellringing.london)
The Surrey Association paid £533.99 for £1m of Public Liability Insurance in 2021 but holds no Personal Accident Insurance Insurance - The Surrey Association of church bell ringers (
surreybellringers.org.uk)
The Gloucester & Bristol DA paid £489 in 2021 so that the Association - and its paid up members as individuals - are insured for £2,000,000 against third party claims for being negligent whilst acting as G&B members. Members are NOT insured against personal injury at all… …they would need to check this with their own PCC. Association Information (
bellsgandb.org.uk)
This information is all available with a simple Google search. It demonstrates that there are vast differences between what societies pay and what is covered.
Completing this exercise and comparing all societies would be a very useful exercise and help societies improve value for money for their members.