Church Property Insurance

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What is Church Insurance?

You may already understand that businesses need insurance. You may also think, though, that a church is not considered a business and does not have the same risks as them. While you are partially right, a church can have as much, if not more risks than a traditional business. Church insurance is a policy, or bundle of policies, that will protect your religious organization, or house of worship, from a vast array of claims that can arise.

Why Would I Need Church Insurance?

As a place of worship, you want to make sure that you are covered for any unforeseen events that can occur. Church insurance can provide property coverage, liability coverage, protection for the congregants, board members, and employees. Unfortunately, any claim can turn into a nightmare and bankrupt even the best of churches. If you want to keep your religious organization running and available for your congregants, it is critical that you have the proper insurance in place.

How is a Church Different From Other Businesses?

Your church is not just at risk on Sundays during worship times. Most churches often have preschool, Sunday school, events, and even rent out their premises to others. There is exposure for threats that not all businesses face due to the religious aspect, and there is the hot topic of sexual misconduct. In the heightened state, we are in these days for being offended by small things, no amount of coverage for a church is too much. Additionally, churches usually don’t have the disposable income as some businesses may have to help fight any lawsuits or repair any damages that could happen to the building.

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What Types of Insurance Is Needed?

Depending on all of the activities your house of worship participates in will determine the types of insurance you need. This is not a full list and you should always talk with an independent agent to discuss your needs but some of them include:

  • Property - Any damage to your building or the contents inside due to a covered event would be protected under this coverage. Another essential coverage to keep in mind is Business Income. This will help to keep your business up and running while any property damage is being fixed.
  • General Liability - Due to the high volume of people coming in and out of your church, liability protection is a must. It will cover lawsuits related to bodily injury, think slips and falls, and property damage, think renting space from another business and causing some damage. Defense costs are also covered here, which can be a huge expense, even if you are found not guilty.
  • Directors & Officers - This will cover the board members from misconduct or misappropriation of funds.
  • Abuse & Molestation - Protects your church and employees from allegations of sexual misconduct. Unfortunately, religious organizations are at high risk for this these days.
  • Professional Liability - If you offer counseling, as many churches do, this coverage is a must in case you are sued for these services.
  • Workers Compensation - If you have employees, your state will most likely require this coverage anyway. Protection for them if they are hurt or become sick due to the job.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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