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Churches are a haven, a sanctuary for individuals who want to worship or just want to take some time with the Lord. However, churches can be in danger as well; from damages to terrorist attacks. Therefore, church insurance exists. 

There are a lot of important events that take place in a church, including weddings, funerals, baptisms, etc. Hence, being prepared for just about anything will be a huge benefit. So, when it comes to your church insurance, here are the things that the policy must have: 

Protection Against Legal Action

All churches are not immune to a lawsuit by members, guests, and other individuals. Basic church insurance coverage is general liability insurance that can cover bodily injury claims and property damage. 

Protection Of The Property

The property owned by the church must be covered. It could include the church building as well as the other items inside the building like pews and musical instruments. The property will be covered for events like fire that could cause complete or partial damage to the property for the building itself. 

On the other hand, for the items in the church, everything must be covered under a separate limit that is the combined value of everything inside the church. You should also consider the items that leave the property, which must be covered by a separate policy. 

Sexual Abuse Protection

Any organization that works with children has a huge potential to be accused of sexual abuse. Accusations of a sexual nature doesn’t fall under a general liability policy. With that, you need a separate liability policy. 

Counselors Protection

If your church offers counseling services, you need to be prepared for any allegations that can be used against a counselor. This will also require a separate church insurance policy to cover claims, such as if someone is injured through counseling. 

Employee Protection

This includes injuries that employees sustain while working in the church. A workers’ compensation policy is vital in a church setting as well. 

Flood Protection

If a flood occurs, damages will not be covered under the church’s property policy. For you to gain flood coverage, you need to get a separate flood insurance policy. This is important if the church is at a high-flood risk area. Keep in mind that most flood policies don’t go into effect until 30 days after the purchase date. For this reason, it’s crucial to get a flood insurance policy in place before bad weather comes around. 

For Accusations By Employees

When a church employee accuses the church, you must be prepared. The Employment Practices Liability (EPL) insurance can help protect you for accusations like sexual harassment, wrongful termination, discrimination, and retaliation. 

Churches are not immune to crime and unfortunate events. If you own or manage one, it’s important you invest in a good insurance coverage policy. Insurance companies offer specific policies for churches that you should explore to find the best one for you. When you are insured, you will feel more confident to conduct day-to-day operations knowing full well that you are protected no matter what happens. 

Contact us

Get your church insurance today here at Panorama Insurance Agency Inc. 

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