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Church Insurance Information
For Parishioners In Somerset, Glasgow, Richmond & Surrounding Areas In Kentucky
A church is more than a building. It’s a community.
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:
- Lost wage coverage
- Key person replacement coverage
- Computer fraud coverage
- Flood coverage
Contact us today to learn more about coverage options. Our agents are happy to work with you to determine which coverages best meet your needs.
Common Church Insurance Questions:
Issues can arise at places of worship at any time. These issues may include lawsuits, property damage, loss of possessions or other serious events. Any of these occurrences could be incredibly costly, and due to your church’s finances often being limited, this coverage can be crucial in covering the costs of these incidents and not be setback by them.
What Type of Insurance Does a Church Need?
Churches are similar to any other business, which is why their insurance policies may look similar to that of an average business insurance plan. However, your benefits can include several more specific plans that are personalized for unique liabilities you may face. Important coverage you may need includes:
Property & Contents Insurance: If something damages physical property like your church building or possessions, then this coverage can help you repair or replace them.
General Liability Insurance: Covers the church in case its actions or negligence cause property damage or bodily injuries to other parties, like parishioners.
Commercial Auto Insurance: When the church owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help it afford the costs of wrecks or other hazards.
Workers’ Compensation Insurance: If an employee gets hurt on the job, then they are often eligible for workers’ comp. It will provide them supplementary income during their recovery.
Counselors Protection (Professional Liability) Insurance: Church leaders will consistently provide advice and guidance. You can’t guarantee that something bad won’t occur, no matter how well-intentioned your actions. If it does, then this coverage can help your church compensate the affected person.
You may also want to include other benefits, such as:
Umbrella Liability Insurance
Cyber Liability Insurance
Mass Casualty/Shooting Insurance
Cyber Liability Insurance
You may also want to consider offering your employees group health, life and other wellness benefits. Our team will assist you and figuring out which of these plans work best for you and your employees.
How Much Does Church Insurance Cost?
There are various factors that impact a congregation’s church insurance premiums. Yet, we completely understand that our clients are seeking plans that are customized for them to get have the best benefits possible, at an affordable price. With this in mind, our team will search our network of carrier partners to assist you in selecting the best package for your organization’s needs.