Churches usually inherit valuables, land, buildings, icons and other property that is very valuable and expensive. Not just this, the churches can also be held to cannon law and certain doctrines. If these doctrines are not followed the churches may face liability charges. To protect from all these, there is church insurance.
Church insurance coverage
Church insurance property coverage - With this policy you can protect the church building, contents of the church, signs, property that is outside in the open as well as fences. Standard items will be covered along with some non standard items like: - Personal property of the pastor
- Equipments like computers, boilers and electrical equipments
- Church kitchens and cooking equipments
- Church property on and off-premises
- Ordinance
- Any indirect loss
Special Church insurance property coverage- Special coverage includes: - Scriptures
- Valuable books
Artifacts (religious)Stained glass
Church liability coverage - This policy covers any legal liability for the activities on the church owned premises. This policy also accounts for personal injury liability like libel and slander. If it is the responsibility of the church authority to compensate the cost medical treatment regardless of liability, this policy will provide coverage. All members, employees of the church, all officials, staff and volunteers are covered. Church insurance also provides coverage for: - Pastor liability
- Medical bills
- Sexual misconduct
- Non-owned as well as hired autos
- Employee compensations
- Molestation and abuse
- "Not for profit" and "for profit" coverage
However, the coverage for church insurance may vary from one state to another depending on the laws in that state.
Getting business insurance for a church
Although business insurance for a church has almost the same analyzing techniques as getting business insurance for a business, churches do differ in some respects. These differences are what help determine what kind of business insurance you may get for the church. When documenting the property of the church make sure to include everything like the halls, meeting rooms, place where the congregation meets and the like.
After you have accumulated the documents, contact a skilled insurance agent who has good idea about church insurance. Place your application with an established church insurer.
Church insurance may not just differ from one state to another but also according to their size. Larger churches may need coverage different from smaller churches. So based on what kind of church you are looking forward to insure, ask your agent to get you a policy that best covers your church. |
