A church is a worship center where people unite in a familiar, comfortable environment. Individuals seeking spiritual guidance join together to form a familial bond. It is your ministry’s duty to maintain a safe and welcoming facility. Should disaster strike, a church insurance policy can protect the community physically and emotionally in times of need.

What Types Of Church Insurance Are Available?

Like other kinds of insurance, there are a variety of options to choose from in regards to church insurance. Most plans include property and liability coverage.

Property coverage protects buildings, signage, fences and contents from damage and theft. Some of the non-standard items that are covered include, but are not limited to, the following:

Stained glass windows
Equipment failure, including electronics
Fire and security alarm upgrades
Personal property loss worldwide, e.g., items lost on a mission trip

Liability coverage protects the ministry against claims of property damage or bodily injury that occur on church property or at a church-sponsored event. Enhanced liability coverage includes, but is not limited to, the following:

Personal injury liability
Teacher/governing board liability
Specialized emotional injury liability
Sexual misconduct liability
Directors, officers and trustees officers liability
Employee practices liability

It may be beneficial to add commercial auto insurance and workers compensation to your policy for added protection.

Make The Most Of Your Church Insurance

In addition to your property and liability coverage, you can add a variety of optional coverages so your policy is customized to your church’s needs. These can include the following: