One icy evening, a local nonprofit was holding a fundraiser at a ministry that rented out its space for the event. As guests were leaving, someone slipped and fell in the parking lot, sustaining a hip injury that required a trip to the emergency room. After inquiring about the person’s condition and details of the fall, a ministry representative then calls the church’s insurance agent. The first questions the agent asks are, “Did you salt the entryway? Did the group sign a facilities agreement? Did they give you a certificate of insurance?”

The answer was no — to all of it — leaving the church potentially vulnerable.

Risk Assessment + Risk Control

Incidences of slip and falls are common. Most are accidents: someone trips on their own feet, gets off-balance on a ladder, slips in an entryway.

But some injuries can come back on your organization to try to prove some sort of fault, such as negligence. And with negligence, a lawsuit can drive up the cost of an injury. Lapses in maintenance, failing to clear snow or ice from sidewalks and parking lots, leaving youth unsupervised — all can take a toll on ministry finances.

“There is an antidote to negligence,” said Thad Ford, senior claims adjuster with Brotherhood Mutual. “It’s risk assessment and risk control.” Risk assessment is knowing where you have vulnerabilities. Risk control is what you do to correct the issues.

And they’re not just concepts. Doing your best to protect your ministry and its people have actual benefits beyond the obvious. These actions help your ministry defend itself in a lawsuit. When you know you have a risk, like a baptismal, risk assessment considers what can go wrong and risk control counters it with layers of safety: non-slip mats, treads on the steps, and side railings.

Ford cautions against temporary fixes of a known issue. “Do what you can to fix it. Don’t go for half measures,” he said. An injured person may try to claim negligence if the ministry knew about a safety issue and did nothing about it. Any actions you take—or don’t take—may form a picture of your ministry’s level of commitment to safety. “You need to show that at least you tried.”

Paying for Slip and Falls

Most general liability policies have something called med pay or medical payments coverage, and it’s injury protection that’s included in your policy. When someone falls on your property, med pay kicks in to help with medical bills or deductibles. It’s no-fault coverage, meaning there’s no blame or admission of guilt attached to the payment for either the ministry or the injured person.

Ford says that some ministries are afraid to file a med pay claim; they don’t want the claim “on their insurance record.” Ford explains that sort of belief can come back to hurt the ministry. “Offering med pay is a proactive step that can help a ministry avoid costly litigation. It’s a way to keep good relations with your attendees and guests.”

The other benefit to med pay is that it pays first before any Medicare payments.* “If you have a lot of elderly in your congregation, talk to your agent about your limit,” said Ford. And file your claim right away. “Insurance carriers have reporting requirements associated with Medicare. There’s things we must do right away that are crucial.”

Having the outside group sign a facilities use agreement is good risk control. “We don’t want insurance to be a roadblock to doing ministry, but the agreement is a simple step that doesn’t take up too much time,” said Ford. Even if a group is unaffiliated with the church, they may insist the church cover the medical bills.

By performing a risk assessment analysis, the church could have found where they were vulnerable and beefed up their risk control for facility rentals.

Example of Risk Control

A guest falls in your parking lot on a frosty winter morning. The person suffers a knee injury that requires surgery and physical therapy. The fall was simply an accident—no one’s fault, and your med pay policy kicks in up to the limit of $5,000.* Even so, your ministry receives notice of a lawsuit.

Because your maintenance staff documents all its work, you can show that the lot and sidewalks were salted two hours before the service. Your parking blocks are highlighted with bright yellow paint. Cracks and potholes were recently repaired. Your safety team responded and filled out an injury report and included statements from the injured person and witnesses. The team took photos of the scene at the time of the accident, including the person’s shoes. Good risk control prepares you to respond well to an incident. Thorough documentation shows you make safety a priority.

*All coverage decisions and payment terms are subject to their terms, conditions, coverage limits, limitations, and exclusions. For precise detail of coverages and payment terms, please refer to actual policy forms.

Preventing Slip and Falls: 5 Things You Can Do This Week

1. Be a visitor.

Walk around your property like you’ve never been there, at various times of day. For example, glare from a rising sun can obscure a step. Observe how people move about. Do attendees cut through grass? Use side doors you didn’t intend as entrances? Brainstorm how you can increase safety in some areas and limit access in others.

2. Paint.

Paint concrete parking bumpers bright yellow to increase visibility. Paint a yellow strip on step and curb edges. Check with your local street department for any applicable code requirements before painting.

3. Check, repair, and install rails.

Test the stability of stair railings, inside and out. Tighten up if loose. You may need to install a railing in the middle of wider steps, like those leading up to your front doors. Check with your local building department for any applicable code requirements before starting.

4. Invest in non-slip mats + caution signs.

Place non-slip mats around your baptismal. If the newly baptized walk from the baptismal to a side room or bathroom, install mats the entire length. When an entrance area is wet from attendees tracking in rain or snow, place caution signs in the vicinity.

5. Create a maintenance log.

It’s important to show consistency. Develop protocols for how you document maintenance, like the date and time you cleared sidewalks of snow or plowed lots.

Posted 2024
The information provided in this article is intended to be helpful, but it does not constitute legal advice and is not a substitute for the advice from a licensed attorney in your area. We strongly encourage you to regularly consult with a local attorney as part of your risk management program.