You need to sit down with the agent who handles the insurance for the church and get that matter clearned up. No matter what country you are in, no two insurance companies write the same policy coverages with the same coverages and exemptions.
Worst case, you might have to take out a "personal liability coverage' under your Home Owners, or renters policy, or a seperate policy.
In any event, you never want to leave yourself unprotected because there is always someone looking to sue.
Also consider a "waiver of liability" form for adults and a 'Waiver of liability and Indemnity form" for kids. (Parents agree not to sue, but under some laws, the child, on reaching maturity, can come back and sue and then the parents will have to make good on protecting you and paying into any judgement).
I am a firm believer in paying for expert advice...and shelling out some money for an attorneys advice, might save you misery and financial ruin down the road.