Safe Haven: Reasons to Invest in a Church Insurance Company
So, you’re new to the world of church insurance? Great, you’re in the right place. A church insurance policy can help protect the congregation and staff from financial losses after a disaster. However, if you don’t pay attention to what you’re doing, you may end up underinsured. Don’t treat a church insurance policy like any other business insurance policy.
That said, let us discuss why it is a significant investment in the long run.
1. Risk Management Training and Education
An insurance claim can be quite costly for your church. Make sure your church staff receives the training and education they need to prevent any accidents from occurring in the first place. The right insurance company for your church will provide safety resources, checklists, forms, and tailored training for ministry-related claims.
Prevention is key to reducing the risk of an accident or claim. A simple rule to follow is awareness and preparedness.
2. Liability and Church Property Coverage
Churches and other religious organizations need a diverse range of insurance products to fulfill their ministry needs.
Liability Coverage:
Your church doesn’t just support the community; it supports many different groups of people who need your help: youth, adults, volunteers, students, seniors, and more. When you decide to help others, there are unforeseen risks you should protect yourself from.
You don’t need to worry about the legal risks involved—your church insurance policy should include coverage for sexual misconduct and harassment claims against you and protection for your officers and board members.
Church Property Coverage:
Church building amenities are some of the more difficult properties to insure. Some insurance companies specialize in this type of risk, helping to minimize your overall risk. The right church insurance company should be able to write a policy to include how you use the building, how much the building is worth, what type of
property and liability coverage you need, and much more.
3. Working With Children
Because churches exist for the good of the spiritual, emotional, and physical well-being of their members, churches need to address the issue of child sexual abuse. Unfortunately, there has been a rise in cases of child sexual abuse; it is devastating for all involved. Churches need to provide a safe environment for those protected under their care.
The right church insurance company will be able to offer a number of resources that help protect the children and adults in the congregation.
4. Missions Travel
Charitable organizations like churches sponsor international travel to impoverished countries. Most of your volunteers doing this missionary work will be covered by insurance.
If a member of your team becomes sick or is injured, you’ll have health and liability coverage to help them. It will be difficult to navigate foreign health and legal systems without proper insurance.
If you need to replace baggage or reschedule a flight due to an emergency, you should have coverage for that too.
Conclusion
Your church’s insurance is a key element in keeping your church safe. Don’t treat it as just another business insurance policy. Think of it as a vital resource that helps you maintain the security and stability of your congregation.
To summarize, churches have special insurance needs. A church insurance provider should tailor coverage to your church’s mission statement and help your congregation achieve its goals.
If you are looking for a reliable
church insurance agency in Jersey, GA, that will tend to your congregation’s needs, look no further than our services here at Church Insurance Man. We provide a variety of
church insurance packages, including general liability, property, and more. Call us today, and let us discuss all your viable church insurance options.
