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Water Activities

United Methodist Insurance’s only mission is protecting the property and ministries of The United Methodist Church. Our service provider Church Insurance Agency Corporation (CIAC) would like to make the following recommendations regarding church-sponsored water activities: 

  • Never leave a child unsupervised around water.
  • Never allow participants to swim alone.
  • Only allow participants to swim in areas supervised by a lifeguard.
  • Participants should understand your requirement to read and obey all signs.
  • An adult experienced in CPR should be present at all activities involving children and water.
  • Children should be tested on skill level. Inexperienced swimmers should stay no deeper than waist-deep, and non-swimmers should be required to wear personal floatation devices.
  • Stop activities at the first signs of bad weather.
  • A safety inspection should be completed before the use of watercraft.
  • Never combine events that include alcohol and water activities.
  • Do not allow head-first diving at pools, lakes, and rivers.
  • Do not allow the use of personal watercraft (i.e., Jet Skis)
  • When boating, leave an itinerary with someone at the church; include the route, expected time of travel and contact numbers.

The policy offered by United Methodist Insurance reads as follows: “Insured” includes:

“your” member or volunteer, but only for liability incurred while engaged in activities authorized by and performed on behalf of “you.”

We pay all sums which an insured becomes legally obligated to pay as damages due to bodily injury...caused by an occurrence which takes place in the coverage territory, and the bodily injury or property damage must occur during the policy period.


We hope that the information provided here will help you have a more secure outing. Should you have additional questions or concerns, please contact Church Insurance Agency at (800) 293-3525.

CLICK HERE for a downloadable pdf version of this tip sheet. 

Information and descriptions of policies and services are provided solely for general informational purposes and are not intended to be complete descriptions. For complete details of coverage, including exclusions, limitations and restrictions, the actual policy or certificate shall govern.