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Church Insurance Coverage

Learn How to Choose the Best Church Insurance Coverage for your Ministry by Reviewing our Different Types of Coverage and Ratings.

Trying to determine what church insurance coverage is best for your ministry can be a daunting task.

Large churches, small churches, large ministries, and small ministries all need liability insurance coverage.

Here are four questions you should ask yourself before deciding on the type of church insurance that fits best into your budget:

  1. What kind of risk/liability exposure do you have?
  2. How many members does your congregation consist or roughly?
  3. What events will my organization hold in the future?
  4. How much church property insurance do we need?

If you want to learn more about the different types of church insurance coverage, “read on” below.

How Much Insurance Coverage Does my Church Need?

Your nonprofit organization’s insurance coverage needs will depend on your operations, how much revenue the church brings in, and where you operate.

For example, if you are a small church that only offers services a few times a week, your church liability insurance coverage limit will be the standard coverage amount. 

However, suppose your church offers many different services like a soup kitchen or school and has a large building. In that case, it is recommended that you obtain higher coverage limits with more comprehensive insurance coverage.

No two churches have the same amount of insurance coverage protection. Our church insurance agents design a church insurance program around the needs of each nonprofit organization.

What Type of Churches Does Insurance Typically Cover?

Church Insurance is a type of insurance that provides churches with coverage for specific types of liabilities. These can include sexual misconduct liability, church property insurance, and general liability insurance.

There are many different types of churches, and each has its own needs regarding its requirements for Church Insurance. Some churches may only need property damage and general liability coverage, while others may need more specialized coverage, such as for sexual misconduct or travel risks.

The Foursquare denomination requires its’ churches who leave their group insurance program to carry very high insurance limits no matter the size of the organization. While other denominational groups do not place specific requirements on churches that are part of their specific denomination.

It is essential to work with an agent who understands the unique needs of your church so that you can get the best possible coverage.

Does my Ministry's Size or Budget Affect What Kind of Insurance Policy I Should Get?

Church insurance is a vital part of protecting your congregation and property. But with so many options, deciding which coverage is right for you can be challenging.

One thing that does affect the type of church insurance coverage you need is the size of your ministry.

Larger churches often have higher insurance premiums because church insurance companies see them as a greater risk. However, there are also policies designed specifically for more prominent ministries, such as a Commercial Package Policy (CPP) versus a more typical Business Owners Policy (BOP).

Other factors can impact your premium costs, such as the replacement cost value of your church buildings and your claims history.

It’s essential to consult with a church insurance agent to get accurate information about the best policies for your ministry.

How much church insurance do we need

What Church Insurance Coverages Should I Consider

Commercial General Liability Insurance Coverage

When it comes to insurance, churches should consider general liability insurance coverage. General liability insurance covers someone claiming property damage and someone claiming injury.

This type of policy can protect the church if someone is injured on church property or their personal property is damaged. In addition, general liability insurance protects churches from slander, copyright infringement, and other advertising injuries.

Churches must show this type of coverage in case someone asks for proof. Churches should prepare themselves for all circumstances in which someone might sue them, incurring legal costs.

Business Owners’ Policy

A business owners policy (BOP) combines general liability and commercial property insurance with business interruption insurance. Some church insurance companies are moving their small churches to these policies as they believe it is a better fit for them.

However, they are maintaining the needed specialty insurance coverage required for churches to have in place. This is critical as most BOP policies will exclude these needed coverages.

Church Auto Insurance, if applicable, can cover damages and injuries incurred while driving. We recommend purchasing the highest available business auto insurance coverage.

Umbrella Insurance

Umbrella insurance coverage protects against something beyond what the General Liability insurance would provide – for example, a high schooler becomes seriously injured at a youth event. The injuries exceed your general liability insurance coverage. Your umbrella policy would then provide the needed additional liability protection up to the excess insurance limit.

Churches must consider all types of coverage relevant to their unique situation. Reach out to an experienced church insurance agency like Integrity Now Insurance Brokers to get started. We can help you determine the best church insurance coverages for your needs and notify you when specific coverages become available.

Protect Church Property with Insurance

Church properties are a valuable target for thieves and vandals, so it’s essential to have church property insurance coverage in case of an incident.

Commercial Property Insurance covers property owned by churches, including the actual structures of each church building. Church building insurance also covers losses from a fire or other unexpected disaster.

To protect your church against these unfortunate occurrences, you should consider additional coverage to supplement your current policy.

Insurance for churches can be tricky, so talk with your insurance agents about the different options available to you.

Various policies can protect your church property. Explore these and other coverage options today, and rest assured that your church is fully protected against potential loss.

Business Interruption Insurance

Church leaders should consider business interruption insurance to protect the organization in case of property damage or destruction. Business interruption insurance typically covers payroll, operating expenses, taxes, and debt repayment (and lost profits for some organizations).

Commercial Package Policies and Business Owners’ Insurance Policies offer general liability coverage, commercial property insurance, and business interruption insurance all in one package at a more affordable price than purchasing each of these policies separately.

Workers’ Compensation Insurance

Workers’ compensation insurance is a mandatory requirement for workers in the United States. This coverage pays for medical bills and partial lost wages after an injury or illness.

However, workers’ compensation insurance does have some limitations. Churches should consider purchasing short-term and long-term disability coverage in the event an employee becomes permanently unable to work.

Workers’ compensation insurance covers doctor bills and lost wages while the employee is unable to work. If it is determined an employee is permanently disabled the workers’ comp claims adjuster will determine a settlement amount.

If your religious organization does not currently have workers’ compensation insurance coverage, we have the experience to procure the needed insurance coverages.

Directors and Officers Insurance

Directors and Officers (D&O) Insurance policy protect board members when they are sued for financial decisions made on behalf of the church organization.

The D&O policy also covers officers, which provides some protection to paid staff. It is important to note that this coverage does not apply in cases of mismanagement or failure to perform official duties.

How Can Our Congregation Save Money on Our Church Insurance Premiums?

Church insurance premiums can be expensive, but there are ways to save money. Start by tailoring a plan to your needs and contacting church insurance brokers. 

You may be able to switch to a new insurance company that is offering lower insurance rates without sacrificing insurance coverage.

Integrity Now Insurance Brokers offer low-cost church insurance policies for churches in the Greater Los Angeles area and throughout the US. Our team is ready to help with every step of the process, including following up after applying.

Are There Any Insurance Company Discounts Available for Churches?

Yes, there are discounts available for churches! As part of the application and review of your church, we are exploring any discounts that we may be able to apply.

Discounts can range from 1% up to 55% depending on the church insurance coverage, size of the insurance premium, maintenance of the building, experience staff, age of the building, and claims history.

A small church insurance policy of less than $2,500 per year may not qualify for any discounts as the premium is not large enough.

Church insurance companies allow insurance agents to apply any needed discounts when we are able to justify a specific church qualifies for the discount.

When the church meets many of the characteristics of a perfect risk, as church insurance brokers we have more negotiating power to leverage more competitive pricing.

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What is an "Act of God" and how does it Affect my Church Insurance Policy?

An act of God is an event caused by nature or forces outside of our control. This can include events such as hurricanes, tornadoes, earthquakes and floods.

If your nonprofit organization experiences damage as a result of one of these natural disasters, it is possible that you may be covered under your insurance policy. However, it is essential to note not all of these natural disasters are included in most policies and can be excluded under certain conditions by the insurer.

Earthquakes and floods are two natural disasters that require additional insurance policies from outside insurance companies. If your church is located in an area susceptible to earthquakes and flooding, you should consider purchasing these policies.

If you have any questions about whether or not your church insurance coverage includes protection for a certain natural disaster, don’t hesitate to give us a call or complete our contact form. We would be happy to help!

What is a "Named Peril" Policy, and Why Would my Church Need One?

A “named peril” policy is a type of commercial property and liability insurance that churches typically need. This policy protects churches and religious organizations by insuring them against damage that may be incurred to the property or buildings.

These policies are also known as all-risk policies since they protect losses from any specific risks named in the insurance contract.

Integrity Now Insurance Brokers is focused on providing insurance for churches, unlike other companies who are more generalist we are church insurance experts.

Churches are our most popular customers, providing liability, commercial automobile, and workers’ compensation coverage to them.

If your church is looking for reliable protection against potential damages, then a named peril policy from Integrity Now Insurance Brokers is the best option.

Crime Insurance for Churches

What is Crime Insurance Coverage, and do we need it?

Crime insurance is a type of insurance policy that covers losses incurred due to certain crimes. Individuals, businesses, or organizations can purchase these policies.

While crime insurance is not required for most people, there are some situations in which it may be recommended. For example, if your church has valuable property or equipment, you may want to consider purchasing a crime policy. This will protect your assets if they are damaged or stolen as a result of a criminal act.

The most common crime we see is the theft of offerings and monies from a church’s bank account. Purchasing money and securities coverage is an important crime insurance coverage to include.

Crime insurance is designed to help individuals and businesses recover from losses caused by criminal activity. If you are interested in learning more about this type of coverage, please contact us at Integrity Now Insurance Brokers.

Do we need to Insure our church Buildings Against Floods or Earthquakes?

Earthquakes and floods are natural disasters that can cause a lot of damage to your church properties. That’s why it’s essential to have the right insurance in place to cover your emergency.

Floods are a common occurrence in Texas and other parts of the country, and they can often do a lot of damage to your property. If you live in an area with a high risk of flooding, it’s important to have flood insurance. 

This will help protect your church buildings and business personal property if it’s damaged by outside flood waters.

Earthquakes are also a common occurrence, and they can often do a lot of damage to your property. 

If you live in an area such as San Francisco, California with a high risk of earthquakes, it’s important to have earthquake insurance. This will help protect your property if an earthquake damages it.

Depending on your church’s location, the prices of these policies can be very cost-effective and very expensive. Often these policies are obtained through state and national insurance programs such as the California earthquake authority.

Choosing a Church Insurance Agency

When looking for a church insurance policy, it is crucial to work with a church insurance agency that works with insurance companies with an “Am Best’s Credit Rating of A- or better.” 

This demonstrates the company’s stability and financial security. In addition, you should seek an agent knowledgeable about insuring churches. This will ensure you receive the best possible advice and coverage for your ministry.

It is also essential to develop a good relationship with your agent. Doing so will allow you to prepare for future scenarios and emergencies. You can rely on your agent to be there when you need them most.

Finally, it is essential to trust your insurance agent with the details of your church insurance coverage and insurance premiums. They should have a complete understanding of what each policy covers–and what it does not cover. By working together, you and your insurance agent can rest assured that your church is fully protected in case of an unfortunate event.

Integrity Now Insurance Brokers is a full-service commercial insurance broker that specializes in church property insurance and liability insurance for churches. Our team has the experience you need.