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General Liability insurance is the most important insurance to have for your church or religious organization. This insurance covers the defense and court costs when your business is sued for third party bodily injuries, personal injuries, libel, slander, advertising mistakes, and other related risks.
Commercial Property insurance covers your church or religious organization against perils such as fire, flood, theft, vandalism, and natural disaster. This insurance pays for the cost to repair the damaged building or to replace the contents both inside and outside of the building.
Hired & Non-Owned Auto insurance covers the liability expenses for accidents involving vehicles that your business does not own. This includes rented vehicles and vehicles owned by your employees.
Even religious organizations or churche have their own set of risks. Having the right insurance for your religious organization covers your members and your house of worship for the many risks it could face. It protects your organization from all possible risks including your volunteers, your house of worship, your ministers, and other members of the organization.
Below are some common risks that religious organizations and churches can face:
There is no fixed amount for the cost of church insurance as the price normally depends on the size of your organization, the number of employees your organization has, the coverage required, and many other factors. Without taking these into account, below is the average cost of insurance for religious organizations:
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