A church can be sued for negligence for various reasons. Anyone can sue a church in court for violating the law. Sexual abuse, fraud, class action, extortion, and driving emotional distress among people are some reasons a church might face strict legal action. Here are some reasons a church can be liable.
1. Sexual Abuse of Children
Sexual abuse is a heinous crime. If proof shows that the church’s leaders knew about the ongoing child abuse on their premises and failed to stop it, they are liable. If a prosecutor doesn’t press charges against the church’s management, the victim can still claim compensation for enduring suffering at their property.
In this regard, abuse and molestation insurance for churches are also recommended as it can prevent these crimes from taking place and compensate for the losses without causing financial ruin. A church can also prevent negligence by:
- Taking complaints seriously.
- Talking to their lawyer if someone raises an allegation.
- Ensure no employee has a criminal record or is on the state’s list of sexual offenders.
2. Property Disputes
Property dispute is one of the most common reasons churches are sued. If the land’s ownership is uncertain, it cannot be sold or used as collateral. Landlord disputes may also arise over maintenance issues, change in property policies, or trouble with tenants for churches that lease worship areas. Therefore, the church must ensure what its real estate title says to avoid being sued in court.
Get church property insurance to compensate for any property damages that might take place due to harsh weather conditions or accidents.
A church that owns property must take measures to enhance their visitor’s, employees’, and volunteers’ safety. A church might be sued with a personal injury lawsuit if someone within the premises suffers an injury. Therefore, all churches must have insurance to pay for the medical treatments of those injured.
A church must examine the existing zoning laws before purchasing land. You might have to change or exempt a zoning rule to implement your church’s planned activities and avoid facing a lawsuit.
Insurance Coverage Disputes
Disputes between insurers and churches involve coverage exclusions. General liability insurance won’t cover a claim for alleged sexual abuse by a church volunteer or employee. Thus, a church needs additional coverage to defend against such claims.
If you’re looking for church property insurance in Arizona, reach out to us at Integrity Now Insurance. We also provide abuse and molestation insurance and worker’s compensation insurance for the church’s employees. Contact us now for more details.