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CHURCH
Insurance Services

Safeguarding Your Church with Comprehensive Insurance...

Our agents are ready to assist in finding the right church insurance policies to secure your congregation, visitors, and assets. Let’s explore some of the risks that churches commonly face and how insurance can mitigate them.

Top Four Risks Facing Churches...

1. Fire Hazards

  • Fires in places of worship result in significant damages every year, with added costs from disrupted services and lost revenue from canceled events. Cooking, faulty heating, electrical issues, arson, and candles are common fire risks. Church insurance can cover fire damage, associated liability, and any medical expenses that might result.

 

2. Slips and Falls

  • Slip-and-fall incidents are one of the top claims made by churches, and they can happen at any time. Church insurance helps protect against medical expenses and legal costs associated with injuries occurring on church property or during church events.

 

3. Theft and Burglary

  • Churches are unfortunately often targeted for burglary and theft, which can cause both financial loss and property damage. Church insurance covers valuable items like stained glass and other artifacts that typical property insurance might not.

 

4. Sexual Abuse and Misconduct

  • Like any organization, churches face the risk of sexual abuse claims. If allegations arise, church insurance policies that include liability for such incidents help protect the church and its members.

How Church Insurance Mitigates Risks...

Church insurance is tailored to address the specific needs of places of worship. Various liability and property coverages can be selected to create a policy that fits your church’s unique requirements. Options include:

  • General Liability Insurance: Covers members, staff, volunteers, and any third parties injured while working on behalf of the church.

  • Minister and Pastor Liability: Provides coverage for clergy involved in spiritual counseling.

  • Employee Practices Liability: Covers claims related to harassment, discrimination, or wrongful termination.

  • Directors, Officers, and Trustees Liability: Protects leadership from lawsuits by members or employees.

  • Ordinance or Law Insurance: Essential for older buildings, covering costs to meet updated building codes.

  • Religious Freedom Insurance: Protects against discrimination lawsuits.

  • Church-Sponsored Activities Liability: Covers off-site events like sports and picnics.

  • Daycare and Preschool Liability: Covers legal claims related to church-run daycare or preschool services.

  • General Property Coverage: Protects against weather damage, fire, vandalism, and theft.

  • Inland Marine Insurance: Secures valuable artifacts while they are in transit.

  • Computer Fraud and Employee Theft Coverage: Addresses losses from digital fraud and employee theft.

 

In each of these cases, the appropriate church insurance can cover damages and defense costs, offering protection and peace of mind. Contact us to learn more about securing your church today.

Why Choose Us...

While insurance products may look similar, providers vary widely in their approach to crafting policies that meet your unique needs. There’s no one-size-fits-all solution for business insurance. Contact us today, and let us help you secure what matters most.

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Reach out to us, and let our professionals help you create the strongest possible plan to safeguard what you’ve worked so hard to build.

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