Along with being a place of worship, your church is also used as a community center, a school, a home for valuable art pieces. This is why it’s essential to think about insurance. Unlike businesses or commercial buildings, churches require a different type of coverage that meets their unique needs. If you’re thinking about insurance for your place of worship, begin by understanding the types of coverage you may need.
Different Types of Church Insurance:
Broadly speaking, there are two main types of insurance, i.e., property and general liability. In addition to this, there are several other optional coverages available such as
- Owned, non-owned, and hired auto liability
- Employee benefits liability
- Lost wages coverage
- Employment practices liability
- Sexual misconduct liability
- Counselors liability
- Pastoral counseling coverage
- Business Income Extra Expense Coverage
- Directors, officers, and trustees officers liability
What is Church property Insurance Coverage?
This insurance helps protect the assets owned by the church, such as the building itself, personal property, signs, and fences. Some insurance carriers will also over standard losses like weather changes and so on. Other non-standard assets that are included in the coverage are
- Equipment breakdown coverage such as your HVAC Systems, elevators, electrical appliances, etc.
- Business personal property of the pastors
- Stained glass windows
- Money and Securities related to external or internal crime
- Upgrading the fire and security alarm
- Lost church income due to a violent incident or intruder
- And more.
One important thing to keep in mind is choosing an insurance company with an A- or better credit rating. Don’t opt for your local insurance agent; as mentioned above, church insurance is different from other commercial insurance processes. It’s best to choose someone who specialized in church insurance, so they are well versed with all the policies and conditions.
General Liability Insurance Coverage
General liability insurance for churches, will cover the actions that can possibly leave your church liable for damage to others. This includes property damage and bodily injury. This insurance can cover payment for all damages which also consists of defense costs for litigation for a covered cause of loss. Your church isn’t immune to lawsuits or claims; this is why general liability insurance is a must. Those included in this protection are church officials, staff, employees, volunteers, and members.
Texas’ Leading Church Insurance Company
If you want to know more about Church insurance, get in touch with one of the leading church insurance companies in Texas, Integrity Now Insurance Brokers. They focus on church insurance and have helped thousands of churches protect their properties from liability claims. They cater to Arizona, California, Colorado, Nevada, Ohio, Texas and Washington. Visit their website to learn more about their services.