Updated: Oct 22
Are you starting a new construction project or renovation in the coming months? Please consider the following guidelines to help your organization minimize your risk. Whenever there is a 3rd party performing work on your premises, it’s paramount to transfer your risk fully to that party (where reasonable). Types of situations that warrant your attention are building maintenance, repairs, elevator maintenance, construction/renovations, security services, temporary staffing agency contracts, aircraft chartering, food services, catered events, fireworks displays, watercraft chartering, product suppliers, environmental remediation, and many others.
Perhaps the most important thing to remember throughout any of these conversations is that it’s generally free to transfer your risk to that 3rd party. Contractors, architects,
sub-contractors, or any other vendors typically do not incur greater costs to take your risk both from a contractual and additional insured standpoint. You may encounter pushback from the 3rd parties but typically can move past the initial discomfort.
How do you get General Liability coverage under someone else’s policy?
This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states.
The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.