A Guide to Property and Liability Insurance for Small Churches In Georgia

If you run a church or congregation, it is essential to have proper insurance policies in place. Doing so not only provides you with a way to recover after natural disasters but also offers financial protection in situations triggered by human actions.


This is especially true for small churches, where limited members and donations can pose a challenge to maintain a rainy day fund. If you run such a small congregation yourself, you must buy and retain an insurance policy for small churches that fits your needs.


But with different types of policies such as liability insurance and property insurance, it can be challenging to understand the role they play in protecting a church’s operations. With that being said, the information is not impossible to grasp, especially when it’s broken down into simpler terms. 


At the Church Insurance Man , we provide insurance services for small churches in Georgia . Our specialists offer the most suitable insurance policies for your congregation with over ten years of experience while also explaining all their finer points. This ensures that you can make an informed decision for your church and protect it to the best of your ability. 


Here’s an overview of what you need to know for liability and property insurance for churches.


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Liability insurance is one of the most common types of insurance. It covers the insurer from claims by third parties regarding injury or damage.

This protection includes bodily injury, property damage, as well as personal and advertising injury.

When taken out by a business or organization, liability insurance covers its employees and premises against such claims.

For instance, if an employee’s negligence causes harm to someone else’s property, liability insurance can cover claims made by the affected party. Similarly, if someone is injured while on the business’ premises, liability insurance can cover the damages.

Apart from employees and premises, liability insurance also extends to different aspects and operations of a business. For example, commercial auto liability can cover claims of injury or damage caused by an organization’s insured vehicle. At the same time, professional liability insurance can also cover employees' regular practices that result in someone else’s injury.

Due to the extent of coverage provided by liability insurance, it is one of the most critical insurance types. This is why it’s usually included in most business insurance policies by default.

How Liability Insurance Can Protect Your Church

Liability insurance is also a popular choice for small churches, which is often a part of all church-related insurance policies.

To differentiate between coverage and claims, liability insurance for churches is segmented into various sections.

General Liability Insurance

Remember that when your small church purchases liability insurance, its general operations are covered for general liability. 

This protection is all about general liability, now what that means is that if an attendee slips on your church’s floor and claims personal injury, general liability insurance can cover for the damage and any resulting medical or litigation costs. General liability insurance for your church may also include instances where an employee’s actions may harm an attendee. 

Since lawsuits of bodily injury, personal or advertising injury, and property damage can drive up sky-high costs, general liability insurance is essential coverage for all types of churches. But once again, it’s incredibly important for small churches that can’t afford any financial damage.

Sexual Misconduct Liability

Remember that when your small church purchases liability insurance, its general operations are covered for general liability. 

This protection is all about general liability, now what that means is that if an attendee slips on your church’s floor and claims personal injury, general liability insurance can cover for the damage and any resulting medical or litigation costs. General liability insurance for your church may also include instances where an employee’s actions may harm an attendee. 

Since lawsuits of bodily injury, personal or advertising injury, and property damage can drive up sky-high costs, general liability insurance is essential coverage for all types of churches. But once again, it’s incredibly important for small churches that can’t afford any financial damage.

Professional Liability Insuranc

Widely known as errors & omissions insurance, this policy covers professionals from personal injury claims by third-parties. 

It is an essential policy for churches where employees’ counseling or advice may result in attendees' claims of harm. This policy covers your regular employees as well as any volunteers.

Employment Practices Liability

This policy protects your church against claims of discrimination and harmful employment practices. Since these claims can often lead to litigation, the cost to manage them can be incredibly high. 

This policy ensures that your church has a safety net for these difficult situations, and provides financial coverage to deal with them accordingly.

What is Property Insurance?

Property insurance is yet another popular type of insurance. Staying true to its name, it covers damages to your property resulting from natural or human-made causes. 

When applied to a business, property damage can cover its building as well as its contents. Property insurance also covers any business equipment as well as regular furniture and fixtures. 

Property insurance can cover damages in situations including but not limited to:

  • Natural disasters. 
  • Water damage. 
  • Fire damage.
  • Breaking and entering. 
  • Burglary and theft. 
  • Vandalism and malicious mischief.

Property insurance covers your property in cases of visible damage and covers theft of your insured belongings. This protection ensures you don’t have to foot the bill of costly replacements on top of your property's loss. 

Specialized policies under property insurance can also extend this coverage to malicious intent by others. If someone vandalizes your property or inflicts damage to it, you can rest assured in this insurance policy's financial coverage.