Things Your Church Insurance Policy Should Have

Every church is different, and so are their insurance needs. However, there are some key coverages that every church insurance policy should have in order to protect the church, its members, and its assets.

In this article, we will discuss 8 things every church insurance policy should have.

1. Special Event Coverage

Most churches host various special events throughout the year, such as concerts, conferences, and festivals. If your church is hosting a special event, you should make sure that your insurance policy provides coverage for the event. Special event coverage can protect your church against various risks, such as property damage, injuries, and cancellations.

2. Cybersecurity Breach Coverage

As technology and the internet have become more prevalent in the church, churches are more vulnerable to hacking and other cyber threats. Your church needs to be prepared for any type of data breach, whether it’s a hacker accessing your website or someone stealing your financial records.

3. Large Claims Coverage

If your church is sued for a large amount of money, you may not have the funds to cover the entire claim. Large claims coverage can help cover the cost of a large claim, up to the limit of your policy.

4. Theft Coverage

If your church is the victim of theft, you may be able to file a claim with your insurance company to help cover the cost of the stolen property. This coverage can also help cover the cost of repairing any damage that was done during the theft.

5. Auto Coverage

If your church owns vehicles, you need to make sure they are properly insured. Auto coverage can help cover the cost of repairs or replacement if your church’s vehicles are involved in an accident.

6. Directors and Officers Liability Coverage

If your church’s directors and officers are sued for wrongful decisions or actions, directors and officers liability coverage can help cover the cost of their defense.

7. Church Volunteers Coverage

If your church relies on volunteers to help with its operations, you need to make sure they are properly insured. Church volunteers coverage can help cover the cost of injuries or damages that occur while they are working for your church.

8. Missions Coverage

If your church participates in missions trips, you need to make sure your volunteers are properly insured. Missions coverage can help cover the cost of injuries or damages that occur while they are working on a mission trip.

Conclusion

There are a few key things that every church insurance policy should have to be comprehensive and protect the church against potential risks. These include property insurance, liability insurance, workers' compensation insurance, and automobile insurance.

While each church is different and will have different insurance needs, these four types of insurance are essential for most churches. By ensuring that your church has these types of coverage, you can help protect your congregation and property from potential risks.

If you’re looking for a church insurance company, Church Insurance Man can help you! We offer comprehensive insurance packages for churches with affordable rates and reasonable terms. Reach out today to discuss your options!