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Churches aren’t just open on Sundays and holidays. They’re often home to preschools, daycare centers, bible study groups, and community meetings all week long. And that all leads to greater risk of falls, fires, misconduct, and even theft.
Fortunately, our agents can help you find the right church insurance policies to protect your congregants, visitors, and assets. But first, let’s shine a little light on some of the potential risks your church faces.
Churches encounter a number of different risks, but thankfully many can be minimized with the right protection. The four biggest risks include:
There are thousands of fires every year in religious properties that result in millions in claims. And this doesn’t even include the indirect costs of fire damage, like canceled income-generating activities, money spent on renting meeting space, or suspension of community outreach services.
Cooking is the most common cause of church fires, followed by malfunctioning heating equipment, faulty electrical wiring, arson, and candles. Church insurance covers both fire damage and any resulting liability or medical issues.
2. Slips and falls
Definitely one of the most common risks that churches file claims for, slips and falls can happen anytime and anywhere. Your church insurance policy protects against medical bills and legal fees that come from injuries that occur on church property or at church functions.
3. Theft and burglary
Unfortunately, churches are frequent targets of burglary and theft. Both can result in financial loss and damage to valuable church property. Church insurance covers items such as stained glass windows and other religious artifacts, which may not be protected properly on a normal property policy.
4. Sexual abuse and misconduct
Sexual abuse and misconduct can happen in any business, and churches are not exempt. If you or one of your employees is accused of sexual harassment or sexual misconduct, the liability portion of a church insurance policy can protect your church and its members.
Houses of worship often have different insurance needs from houses of business. Church insurance understands these differences and offers a variety of liability and property coverages you can select to construct the perfect policy for your needs.
While there are a lot of options, it’s easy to tailor a policy that only includes the coverages your religious institution needs. Insurance options include:
In each case listed above, your church liability insurance can pay for damages and related defense costs.