Did You Know There Are Insurance Policies for Churches?

Based on its main functions, you may not think of your church or house of worship as a business entity. Why would you? You counsel the downtrodden, visit the sick, and help people find their spirituality. You fill your church nursery with precious children who may grow up to join the church as adults. 

The fact is that churches function as places of worship and much more. Your church might also be a daycare, preschool, meeting location, counseling center, and more. 

But even though you intend to steward your community the way God intended, you'll still have the same concerns as any other congregation or house of worship: damage, theft, destruction, and, unfortunately, potential lawsuits. Take a look at our Church insurance Packages available for churches to ensure you’re properly covered.

Auto Insurance

Depending on your church's needs, you can choose from commercial auto or hired and non-hired auto insurance. Commercial auto protects vehicles the church owns or rents; hired and non-hired auto insurance can be used when vehicles owned by members are used for church activities, which is especially handy if you have out-of-town ministries or excursions.

You should also consider umbrella coverage to step in when you meet your limit of liability under your policies. Suppose you are unsure how this coverage would affect you. In that case, we would be happy to have a consultation to ensure that you have all the appropriate types of coverage in place or if you need advice on liability policies.

Director and Officer Liability

Suppose your church operates as a board-directed entity and utilizes directors, officers, or board members. In that case, this coverage can help protect the organization from claims made against those individuals on behalf of the organization.

General Liability

This insurance will help you protect your organization if it is sued for someone getting hurt or property being damaged while participating in church activities or on church property. Basic liability coverage protects if someone is hurt or property is damaged while participating in church activities or on church property. This insurance helps pay bond premiums, settlements, judgments, and medical bills.

Professional Liability

If you provide any services, especially counseling, this insurance will help protect your organization if someone claims an injury based on advice they were given by any staff member associated with the organization. Your coverage helps with legal defense, judgments, and settlements.

Property Insurance

This type of coverage will help repair or replace the property that has been damaged or lost due to fire, theft, or windstorms.

Foreign Liability or Travel Insurance

If your church organizes foreign trade missions or other trips out of the country, consider adding the Foreign Liability and Foreign Travel Coverage. This will protect your church if someone is injured or a vehicle is damaged or stolen while on a trip. Suppose your church offers valet parking, provides automotive services like oil changes and other light maintenance, accepts donated vehicles, or sells or gives away vehicles. In that case, you should consider Garage Insurance coverage. This will protect your church if the vehicle is damaged while parked there.

Cover Your Church Physically and Spiritually

The Lord works in mysterious ways, sometimes including insurance to protect the assets He has entrusted you with. So get the right policy now with the help of Church Insurance Man! We provide churches with packages that suit their every need. Check out our website for more information on our services!