As church insurance agents we have received numerous phone calls related to tree safety issues from small churches to large church organizations.
Damage caused by one or more of a churches trees falling, can create a huge cost for the church and insurance company.
Trees have fallen on houses, cars, motorhomes, and motorcycles belonging to one of their neighbors or onto a church members vehicle.
While we love older trees, however they will require additional maintenance to ensure the safety of persons and property.
California in particular has been hit with decades of droughts, and when storms hit california in recent years, thousands of trees have fallen.
The damage falling trees cause, is increasing the overall liability churches face an only amplifies the need of proper tree safety.
In 2019, 51 people in the US died from trees falling due to bad weather.
Integrity Now Insurance Brokers encourages all its customers — especially our churches — to implement an annual tree safety maintenance and removal program.
Even churches who follow the most riguous tree safety maintenance program, can face large catastrophic liability claim. If it important to have the needed church insurance in place to financially protect the organization.
No one knows the exact liability coverage limits a church should or should not carry. As church insurance brokers, we do our best to advise our clients on the proper level of insurance they should obtain.
Unfortunately, this could mean your church experiences a catastrophic loss which could end up being under insured for.
If a church board of directors decides to obtain the minimum liability limits and they receive a lawsuit for $3,00,000, this church could have a substantial financial liability exposure.
This uninsured amount will be the responsibility of the church to cover on their own.
Obtaining an umbrella policy, is one of the most cost effective ways to financially protect a church from a catastrophic loss. Most church insurance providers, will provide up to $5,000,000 in additional liability protection.
Integrity Now Insurance Brokers loves working with our church clients. We are here to help them with all of their insurance and risk management needs.
It with articles such as these, that we are able to further help our church clients take proactive measures to reduce their church liability. It is always better to implement measure such as creating a tree safety program, to try and prevent a loss than to have a loss that impacts peoples lives.
One of our church insurance specialist is here to help you obtain the needed insurance coverage and protection your church should have in place.
Request a complete church insurance policy review today so we can ensure you church building insurance is up to par. Recent rising inflation has left many churches under insured on their church properties. we can quickly evaluate all of your properties and identify any critical issues that should be fixed promptly.