Every successful church understands the importance of implementing risk management practices. Of the most common risk management practices, is related to the transfer of risk. Having the right church insurance in place is critical to any organization, as this helps ensure a smooth operations and helps keeps the congregation safe. If you’re new to church planting or the entire insurance process, it’s expected that you’d have several questions and doubts. Here’s a list of commonly asked church insurance questions and their answers to help you gain a better understanding.
Question 1: How Do I Choose The Right Church Insurance Company?
With so many insurance companies in the market, it can be tough to choose the one that’s right for your organization. The first thing to keep in mind is to avoid going to your local insurance agent for this. You’ll need a specialized company that solely focuses on church insurance. Look up available options nearby and see if what they offer matches your needs and requirements. Remember, Church insurance isn’t like a typical commercial or business type insurance policy. Churches require additional coverages be put in place, in order to cover your unique exsposures.
Question 2: Do Church Events Affect Insurance?
Churches usually host several community events such as fundraisers, weddings, youth groups, retreats, and even funerals. If a function held in the church is a part of the church activity, then this will be covered by the church liability policy. This includes events hosted by members as well. However, what’s important to note is that if a non-member rents the space for an event, they will need separate event insurance. This outside organization should provide proof of insurance to your church and name your organization as an additional insured.
Question 3: What Are The Different Types of Insurances?
When it comes to church insurance, here’s a list of insurances you should consider buying:
- Church Property Insurance
- Church Liability Insurance
- Group Health Insurance for Churches
- Workers’ Compensation for Churches
- Directors and Officers Insurance
- Employement Practice Liability Insurance
- Abuse and Molestation Insurance
- A Crime Policy
- Religious Expressions Coverage
- Pastoral Counseling Insurance
- Business Auto Insurance for Churches
- Inland Marine Policy
- Earthquake Insurance
- Flood Insurance
- Umbrella Insurance Policy
Question 4: What’s Included in a Church Property Insurance?
Church property insurance covers the buildings, business personal property, property in the open, signs, and fences.
Question 5: Why is General Liability Coverage Important?
It protects the church against any covered claim of physical injury and property damage on the premises for which the church is found to be legally liable in court. It can even covers the church against libel and slander. Most church insurance policies includes medical expense coverage for church members, employees, officials, and volunteers.
Nevadas’s Leading Church Insurance Company
If you’re looking for a reliable and professional church insurance company in Nevada, Integrity Now Insurance Brokers is one for you. Their primary focus is on church insurance and have helped thousands of churches protect their properties from liability claims. They cater to California, Colorado, Nevada, Ohio, Texas and Washington. Get in touch with them to learn more about their services.