Church Insurance like any non-profit needs to include the proper insurance coverage in place to protect both the assets and members of the church. In fact, a number of coverage options are available and need to be considered.
Like any commercial coverage, the basics of property, general liability and worker’s compensation are a must. Property insurance covers the buildings and equipment as well as other contents and some personal property.
In addition, it may make sense to add plate glass coverage with a rider if needed for stained glass. Make sure theft and vandalism are also covered in the church insurance policy. General liability will protect the church in the event of a claim of personal injury, or damages. It would also cover contractual liability for services provided such as room or hall rental, or other service functions performed by clergy or staff.
You will want to add product liability for food consumption, sales, or even distribution. Like any business, worker’s compensation must be in place if there are employees. Check with your state department of insurance for the specific requirements surrounding coverage.
Additional coverage considered would be professional liability to covers teachers and clergy. Directors and officer’s liability should also be carefully considered.
If daycare is provided at the church, additional coverage may be necessary or packaged with teachers and school insurance. Fine arts and antiques may have to have separate coverage added or included depending on the carrier. Boiler and machinery coverage may also make sense.
Work with a licensed insurance professional in determining what coverage options and liability limits need to be included on your church insurance. Ask whether a business owner’s package is available and how the options discussed can be included. You may also explore whether an umbrella policy may make sense for your church.