Comprehensive Protection. Exclusive Member Value.
Secure your ministry with £5 Million in specialist public liability cover, designed specifically for the unique environment of workplace chaplaincy
Why Every Chaplain Needs Cover
In today’s professional landscape, holding valid insurance isn’t just “good to have”—it’s often a strict operational requirement for entering a workplace. Whether you are visiting a retail hub, an emergency services center, a transport depot, or a private office, corporate partners expect you to be professionally protected.
WCMUK has negotiated a master commercial policy scheme that provides robust cover at a fraction of the cost of commercial brokers. As an exclusive benefit of your membership, we extend this protection to any active member who requires it for an unbeatable £12 per year. It gives our secular partners total confidence that we are serious, not only about what we do, but how we do it.
What is Covered, and for What?
Public Liability (£5 Million): Protects you against third-party claims for accidental injury or property damage occurring while you are undertaking your workplace chaplaincy work.
Professional Indemnity (£250,000): Crucial peace of mind covering legal defence costs and civil liability damages resulting from any alleged errors, omissions, or negligence in your pastoral advice or care.
Instant Certificate of Insurance: Digital access to download your personalized certificate of insurance immediately after completing your checkout declaration. This is the official document you can print or email to provide instant proof of cover to host venues and retailers.
Choose Your Path
Whether you are a solo practitioner or leading a regional team, we have made it simple to get your field protection sorted. Select the option below that best fits your setup:
Individual Insurance: Best for self-employed chaplains, solo volunteers, or individuals paying for their own cover. You will fill out your digital declaration at checkout and get instant access to your certificate.
Organisation Insurance (Bulk Seats): Best for Lead Chaplains and Managers purchasing cover on behalf of a team. You can manage your entire roster’s seating from one central dashboard and use unique invite links to get your team members registered.
| Level |
Insurance Subscription |
Organisation Insurance Subscription |
|---|---|---|
| Price |
£12.00 per Year. |
£3.00 per Year. |
| Description |
Choose this option if you are an individual member purchasing professional indemnity and public liability cover for yourself. Once your purchase is complete, you will fill in your legal declaration and get immediate access to your documents. |
Use this level to purchase multiple insurance “seats” for your team. Note: This is an administrative account; cover applies solely to the individuals who occupy the seats and complete their own declarations. The purchasing organisation is not an insured entity. You will receive a link to invite your team to register and activate their own cover. |
| Expiration | ||
| Select | Select | |
| Free Membership Required | Chaplain (UK) | Chaplaincy Organisation |
| Public Liability Cover | £5m | £5m per team member |
| Professional Indemnity | £250k | £250k per team member |
| Certificate of Insurance | Yes | Issued per team member |
| Age Restrictions | Adult Service Users Only | Adult Service Users Only |
| Member Rate (Annual) | £12 | £12 per seat |
| Purchase for Self | Yes | No |
| Purchase for Team/Staff | No | Yes |
| Automated Invite Link | No | Yes |
| Seat Management Dashboard | No | Yes |
| Select | Select | |
| Expiration |
Insurance Subscription
Choose this option if you are an individual member purchasing professional indemnity and public liability cover for yourself. Once your purchase is complete, you will fill in your legal declaration and get immediate access to your documents.
- Free Membership Required: Chaplain (UK)
- Public Liability Cover: £5m
- Professional Indemnity: £250k
- Certificate of Insurance: Yes
- Age Restrictions: Adult Service Users Only
- Member Rate (Annual): £12
- Purchase for Self: Yes
- Purchase for Team/Staff: No
- Automated Invite Link: No
- Seat Management Dashboard: No
Organisation Insurance Subscription
Use this level to purchase multiple insurance “seats” for your team. Note: This is an administrative account; cover applies solely to the individuals who occupy the seats and complete their own declarations. The purchasing organisation is not an insured entity. You will receive a link to invite your team to register and activate their own cover.
- Free Membership Required: Chaplaincy Organisation
- Public Liability Cover: £5m per team member
- Professional Indemnity: £250k per team member
- Certificate of Insurance: Issued per team member
- Age Restrictions: Adult Service Users Only
- Member Rate (Annual): £12 per seat
- Purchase for Self: No
- Purchase for Team/Staff: Yes
- Automated Invite Link: Yes
- Seat Management Dashboard: Yes
Policy Details & Compliance Declarations
Click on the sections below to review specific requirements, exclusions, and download master documentation.
Can I purchase this if I am not a WCMUK Member? No. This highly subsidized scheme is an exclusive benefit negotiated solely for active WCMUK Members and Associates. Our system will automatically prompt you to log in or join before allowing checkout.
Does the Organisation level insure my company or church council? No. This is an administrative billing level. The insurance applies solely to the individual individual chaplains occupying the purchased “seats”. WCMUK is the central Policyholder; independent purchasing organisations are not insured entities under this specific scheme.
How do my team members get their documents? Once you purchase seats under an Organisation account, you’ll get an “Invite Link” in your dashboard. Send this to your team. They will register for free, fill in their legal declaration, and then download their own certificates.
Can I get a refund if I cancel my insurance? In line with our Terms of Service, all individual insurance scheme fees and organisational seat purchases are strictly non-refundable once the 14-day statutory cooling-off period has passed, or once your insurance certificate has been generated. If a team member leaves your organisation, their allocated insurance seat cannot be refunded, but it can be reassigned to a new staff member or volunteer via your management dashboard.
For Team Members: Your local chaplaincy team must have an active, suitable safeguarding policy in place. All chaplains must comply with it, and the policy must undergo an annual review, compliance training, and DBS checks where required.
For Solo Practitioners: If you operate independently but your routine work brings you into contact with vulnerable adults, your nominating church must maintain a safeguarding policy under which you are trained annually.
Definition of a Vulnerable Adult: A person “who may be in need of community care services by reason of mental or other disability, age or illness; and who is unable to protect him or herself against significant harm or exploitation.” It does not mean someone who is experiencing short-term situational vulnerability, such as standard bereavement.
Children & Under-18s: Our master framework is underwritten on the strict declaration that our service users are adults. Any routine chaplaincy work targeting or involving children under 18 is entirely excluded from this cover. Separate, specialist youth insurance must be sourced.
Personal Injury to the Chaplain: The policy does not provide personal accident or injury payouts to the chaplain themselves if they hurt themselves while undertaking their duties.
Internal Team Claims: It excludes any claim for damages made against a local team by one of its own chaplains (e.g., alleging inadequate training or protective gear).
Local Team Trustee Liability: Independent local teams are responsible for their own administrative risks. This extension covers field liability only. (WCMUK’s central master trustee liability protects central WCMUK trustees only).