How To Choose The Right Insurance For Your Church
Although church insurance is similar to that of a traditional business, choosing suitable insurance can often be a daunting task because it differs in certain aspects. Minor differences have a significant impact which is why it’s important to work with an experienced church insurance agent who can help devise a comprehensive policy that provides full coverage for your church.
Many people choose a policy or church insurance company based on price. However, when a disaster strikes, it’s far more important to consider the church’s maintenance and repair needs and values rather than only the policy’s price tag. Here are some tips to safeguard your ministry with suitable church insurance coverage in Arizona, California, Colorado, Nevada, Ohio, Texas, and Washington.
#1 Research
Always ensure you can rely on the church insurance company by discussing important policy aspects with your church insurance agent. Learn whether the company is equipped with the experience and skills needed to insure the church’s property and liability. This might include liability, property, health, travel, auto, workers’ compensation, and more.
Next, ask whether they insure all church assets. Church liability insurance generally covers a wide range of things, but the church might still have assets that are prone to risk. A comprehensive church insurance package can help protect stolen goods, damage, and other threats to the things owned by a church. It can include sexual misconduct liability, equipment breakdown coverage, crime coverage, directors and officers, pastor counseling, and more.
#2 Size
Does size really matter? It depends. When a large church insurance company has been around for many years, you can rest assured that it has a history of meeting its long-term obligations. You can also get an idea that they’re well-versed in dealing with the complexities of handling the church and ways to manage different risks. This in no way means that churches shouldn’t consider small or medium-sized church insurance companies, given that they’re experts in the field. AM Best is a good place to analyze the financial strength of an insurance company and ensure they are an A-rated company.
#3 Feedback and Complaints
Check customer ratings and feedback on social media to ascertain whether the insurance company maintains the standards and regulations set in place to prevent mishaps. You can check the National Association of Insurance Commissioners’ database to browse tracked complaints from customers of a specific organization before investing in your church’s insurance. You can also check their online presence and social media pages for comments and feedback regarding their customer service and more.
Work With A Church Insurance Agent
At Integrity Now Insurance Brokers, we can connect you with reliable church insurance agents who possess the extensive experience and skills needed to help you choose the right insurance policy for your church. After a thorough need-based analysis, they will help you determine what kind of insurance is suitable for boosting your church’s financial health.
Working with reliable church insurance brokers can make all the difference in fully protecting your ministry. In case the unthinkable happens, having the right church insurance provider on board can meet the needs and values of the church while the customer service representatives can provide support and ensure the church has access to resources needed to overcome the catastrophe.
We offer an extensive range of services, including workers’ compensation insurance, house of worship insurance, ministry insurance, commercial auto insurance, church property insurance, church liability insurance, and more.
Get in touch with us through call or email to ask questions so that you can be satisfied that you’ve made the right decision for your church and all its members.
