Church Insurance

by steven » Thu May 04, 2006 04:58 am
Posts: 1538
Joined: 02 Feb 2006

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.

Total Comments: 37

Posted: Mon Jun 19, 2006 09:32 am Post Subject:

Church buildings are unique in term of the architecture, fittings and values. Moreover the worship compound tends to be open at all the time. That's why the church insurance is so crucial. Congregations provide the donations and sponsorship to run a Church. The church may find itself in a deep trouble in the event of any damage to the church or theft within the church, or due to a liability claim.

Church insurance is a broad concept as the coverage extends from the property insurance to the liability insurance. Church insurance normally offers the financial protection against the damage of the property resulting from weather, theft and faulty equipments.

In recent times some of the churches have daycare centers as well as school classes too. Any losses to these facilities are covered to some extent in case of an accident.

Posted: Mon Oct 05, 2009 05:56 pm Post Subject: Church Insurance

We need quote on building and contents

Posted: Wed Dec 09, 2009 12:10 am Post Subject: Agent Contracting

Houston, TX Agent looking for contract for writing churches, and possible other lines.

Posted: Mon Dec 21, 2009 03:16 am Post Subject: church insurance

we need insurance for property , building, parsonage and bus

Posted: Tue Feb 02, 2010 07:19 pm Post Subject: Church Program

We offer all lines coverage for churches, including Pastoral & Counseling Liability and Physical/Sexual Abuse coverage.

Our program is available in all states.

Please feel free to contact me regarding this market segment.

Posted: Fri Mar 19, 2010 10:16 pm Post Subject: church insurance

I need a quote on liability and collateral insurance for a church

Posted: Sun May 16, 2010 11:23 pm Post Subject: church insurance

Good morning,

We need a quote on some church insurance on property and liablity. We would like for you to contact us as soon as possible. Our contact information is as following: Pastor Treva McGeachy; phone 804 644-8696 for details; our email address is

Thank you in advance for your time.

Treva McGeachy

Posted: Mon Aug 09, 2010 02:57 am Post Subject: church building and lib insurance

We are planning to downgrade our policy, but would like a quote for high deductible insurance.

Posted: Mon Aug 09, 2010 02:57 am Post Subject: church building and lib insurance

We are planning to downgrade our policy, but would like a quote for high deductible insurance.

Posted: Tue Sep 14, 2010 10:59 pm Post Subject: louisiana

do you cover louisiana?

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