Church Insurance

A church can be thought of as a building, but also as a community group, an employer, and in some cases a priest’s home. That’s why specialized church insurance is your best route to financial peace of mind.

For example, a good church policy doesn’t just take care of the obvious costs such as property damage from theft, vandalism, or natural disaster, but also the unexpected associated costs. This could include having to update the building to comply with local ordinances when carrying out repairs after an incident.

What are Common Church Coverages?

General Liability Coverage - General Liability insurance covers the church's legal liability resulting from injuries to people or damage to their property.

Property Coverage - Coverage for the church building.

Directors, Officers, and Trustees Liability - Directors and officers (D&O) liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of such a suit.

Employment Practices Liability (EPLI) - Coverage for defense costs and damages related to various employment-related claims including allegations of wrongful termination, discrimination, workplace harassment, and retaliation.

Sexual Misconduct Liability - Sexual misconduct and molestation liability insurance is a specialty form of coverage. It is specifically designed for business owners and was developed to protect against the financial losses and damaged reputation that can be associated with sexual misconduct or molestation allegations. As a business owner, it might be hard to imagine an employee committing an act of improper sexual conduct; however, you know that there is always a possibility that sexual abuse in the workplace can occur.

Businesses may also want commercial umbrella coverage, cyber liability coverage, equipment breakdown coverage, or any number of other protections that we can assist with.