Public Liability

In ministry, one of my occasional tasks was reviewing our Churches' considerable insurance policies. One of the items was public liability. During my city ministry, as best I remember, there was only one public liability claim: a dancer broke her toe on our hall floor. However, we could have needed the insurance a lot more. On the Church property, there were several injuries over twenty years: a member put her hand through a glass door, a woman was bludgeoned and raped, a man had his lip sliced off in an attack, a father broke his foot playing soccer with the youth -- and our youth had several minor injuries. OBSERVATION: Then there were injuries just outside the property: our caretaker slipped on blood and broke her foot trying to stop a knife-fight, I was concussed after being clubbed with a broomstick, a woman was raped against the Church railing, and a girl was killed when a car hit the Church's corner post.