Church Insurance Delaware

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Delaware Church Insurance Agent

Delaware has a timeless rustic appeal, alluring white-sand beaches, and burgeoning scenes of art, fashion, and culture. This state has the cachet of being small and charming while serving as a safe haven for people who want to get away from the bustling city life and immerse themselves inside the heritage of this small state.


Apart from the colonial-style villas nestled along the tony cul-de-sacs of Rehoboth Beach, ornate architecture, and rich history, the people of Delaware have always been committed to serving in the house of God. 69% of the total population of Delaware is practicing Christians, with their interesting evangelical history dating back to the 16th century. You’re likely to find some of the most breathtaking Georgian-style churches in Delaware that are nothing but a treat for the eyes and the soul.


Being one of the most dedicated organizations, the church serves as a safe refuge for many people in Delaware. These houses of God are inclusive and extend their services to everyone ranging from the disabled, mentally challenged, and the destitute. Numerous church leaders in Delaware are recommended to opt for a specialized church insurance policy that protects their church and its people from excessive charges and lawsuits during an accident or a hazard.



There is no end to the services that the church of Delaware provides. These churches rent out their behemoth spaces for many special events like weddings, baptisms, christenings, community seminars, Bible classes, and so much more. There are also numerous youth activities and outreach programs held for the local communities like missionary school fairs, parties for Elementary kids, and community meals that are always being held to serve the community.


People from marginalized communities come to seek shelter at the church, where the church helps to keep them safe. There are also many awareness campaigns at the church where people are encouraged to raise funds for the impoverished. Ministries in Delaware also offer substance-abuse services that help people going through addiction and provide helpful resources to aid these people back to sobriety.


Because the church is involved in many legal and personal activities, every church leader must take the necessary steps that ensure their operations and their congregations’ safety.


The churches heavily rely on volunteers, and this is why churches must always make sure their workers and volunteers are safeguarded against any litigations and liabilities. The church is vulnerable to several liabilities such as floods, fires, burglaries, vandalism, accidents on their grounds, etc.


Our experienced church insurance agents at Integrity Now Insurance Brokers are well aware of any personal and professional liability that can take place at organizations and ministries. Our church insurance agents make sure every church in Delaware is aware of its rights.


With our tailored church insurance policies, your church will stay well-protected in the face of any calamity or a hefty lawsuit. With our access to numerous A-rated church insurance agencies in Delaware, your organization and the congregation will receive maximized protection with the most premium quality insurance policies.

Why Does Your Church in Delaware Need A Specialized Church Insurance Plan?

Whether your church is petite or behemoth, every church needs a specialized insurance plan that protects the organization and its members from tragic events or financial losses. The church takes responsibility for many people during their mass services and special events. From vandalism to break-ins, the church faces many imminent threats of temporary or permanent damage.


Every church needs property insurance that protects its building from unexpected accidents, storms, fires, and other adverse weather conditions. For decades, extreme weather events such as tornadoes, mid-latitude coastal storms, and tropical cyclones have been recorded in Delaware. No one can forget the horrifying events of Hurricane Isabel, the flooding, the cataclysmic destruction, and $3.37 billion in property damage.

Church Property Insurance Expert

Flooding can also lead to structural damage like cracks in the floors, foundation damage, mold, and exposure to hazardous materials like lead oxide, dioxins, and asbestos. But getting church property insurance will help protect your church even after it has sustained any damages during a calamity. Every piece of equipment, church-owned structures, and the pastor’s residence will be compensated without dealing with any hefty charges.


Many churches and ministries also own vans and buses to provide a transportation facility for church members and employees. Church volunteers want to provide a safe and convenient way for seniors and youth churchgoers to reach their place of worship. Getting an auto policy that offers ample protection for the church-owned vehicles in the case of an accident is super important, so everyone who uses the church transportation facility stays safe.


Our church insurance agents also recommend performing thorough background checks on all of their drivers and ensuring they are licensed and have adequate experience in driving large and small vehicles. Proper documentation and regular servicing and maintenance of the vehicles is also a necessary step that every church leader must take for safety purposes. Church members who drive their own vehicles for church-related business must opt for non-owned auto coverage.


Since volunteers are a big part of any religious organization, church leaders must perform background checks on every person they hire, including Bible class teachers, children, youth, seniors, nursery workers, etc. This especially applies if your ministry also hosts domestic and international missionary trips.


Churches should also have appropriate policies that minimize the liability risk of your ministry and sexual conduct coverage that safeguards the church members from alleged and actual claims.


Ministries in Delaware are also vulnerable to liabilities related to people who suffer bodily injuries on your premises. It’s essential to make sure the church grounds are well-maintained, and there aren’t any slippery surfaces, broken furniture, railings, floors, or pews. This reduces the risk of people falling or injuring themselves on your grounds.


Since Delaware is prone to disastrous tornadoes, FEMA suggests making three-level enhancements to your building – exterior glazing to protect your property from wind-borne debris, installing main wind-force resisting systems, roof decks, and thicker insulation concrete exterior walls.


Another important aspect church leaders must consider is the Employee Dishonesty coverage policy. This policy ensures protection for your organization during any wrongful employee termination, harassment, and failure to promote.


Immigrants, minors, and part-time employees should be compensated with a good church insurance policy if they ever go through work-related injuries or any illnesses. Premium church insurance plans offer not only legal and financial protection for every employee working in the church, but they also keep your operation safe during non-compliance or excessive lawsuits.


The churches and ministries in Delaware can also come across potential professional liabilities like counseling exposures. Every church that offers to counsel must ensure appropriate licensing and hire individuals who have diversified experience with counseling. There should be a private and secluded place reserved for counseling so no one in the vicinity can become privy to confidential conversations.


According to a report, there were a total of 19,355 property crimes in Delaware in the year 2020. This is why church leaders must never keep large sums of money inside church premises, and all the employees must be reimbursed for a theft or burglary inside the church.


Our team of experienced church insurance brokers at Integrity Now Insurance Brokers are always here to consult with you and offer expert advice that will give you optimized security coverage. We can help you identify any risks and devise well-thought-out plans to make every employee and clergy feel much safer. You can easily avert any excessive litigations and liabilities that can negatively impact your operation’s reputation with proper church insurance plans.


For more information and guidelines on church insurance plans, visit our website or call us today. Our team of church insurance agents is always here to consult with you and discuss coverage plans to protect your place of sanctuary, business, and affiliated schools all over Delaware.

Types of Church Liability Insurance for Your Ministry in Delaware

Whether you’re delivering sermons to more than a thousand people or holding small ceremonies for a handful of people, every church leader must consider adding church liability insurance to their risk management plan.


Here are some different types of church insurance plans you can consider applying to your ministry’s insurance plan for optimized protection from potential liabilities.

General Liability Insurance

As the name implies, the general liability insurance plan provides a ‘general’ and broad coverage and takes care of every aspect of a church. General liability insurance protects an organization against property damage claims and bodily injury from customers and employees. Without this insurance plan, you may end up paying for these charges out of your operation’s income, leading to bankruptcy.

But suppose you have the general liability insurance coverage added to your risk management plan. In that case, your organization will be shielded from any reputational harm and defamation cases that are very prevalent for businesses operating on a high level.

The average cost of a slip and fall claim can go up to $20,000. Make sure you’re opting for the right church insurance plan before someone ends up hurting themselves on your premises.

Worker’s Compensation Insurance

The worker’s compensation insurance has several vital benefits to any ministry’s employees who either suffer work-related injuries or fall sick. This insurance plan includes medical treatments, cover for lost wages, death benefits, and ongoing care bills.

It is the lawful duty of every church in Delaware to protect its employees and ensure they’re being compensated – regardless of the number of employees.

Directors and Officers Insurance

Church officers or board members are making complex decisions on the church’s behalf every day, and there is a possibility that they could make mistakes. The Directors and Officers Insurance ensure safety and protection whenever there is a personal liability claim (criminal, civil, or administrative).

Umbrella Insurance Cover

The Umbrella insurance coverage is an added layer of protection to the general liability insurance plan. This insurance coverage protects your operation in the case of an exceedingly hefty liability claim. For example, if your ministry faces a lawsuit for $2 million, but the general liability coverage only provides $1.5 million, the umbrella insurance plan will cover the total shortfall of $500,000.

The umbrella insurance coverage also pays for any legal costs, medical bills, property damage from your premises to neighboring buildings, and court settlements and judgments.

Abuse and Molestation Insurance Coverage

The abuse and molestation insurance coverage will protect your staff if they are charged for alleged or actual sexual misconduct.

Employee Theft Insurance

The employee theft insurance coverage covers the ministry’s employees whenever there is a case of embezzlement, fraud, or theft.

Employee Practices Liability Insurance

The EPLI is a coverage plan that pays for wrongful termination, sexual harassment, discrimination, and inappropriate workplace conduct. Church leaders must always make sure their church insurance plans include this policy since there are many cases of miscommunication and employees can end up suing the church.

Commercial Auto Insurance

Any organization that offers transportation services for their pastors and clergy members must always protect their ministry from vehicle liability claims.


At Integrity Now Insurance Brokers, we ensure your organization is kept safe from any potential liability claims and stands tall no matter what. Our church insurance agents know how to safeguard your church’s reputation. We have years of experience when it comes to developing specialized insurance plans, and we seek to represent your best interests to leading church insurance agencies in Delaware.

Why Choose Integrity Now Insurance Brokers?

Church Property Insurance Expert

As your church insurance agents, we ensure you’re getting maximized security and coverage for serving the community at your ministry in Delaware.


We’ve got several church insurance carriers that were meticulously selected for their history of taking care of churches in the face of an intense liability claim. We ensure you’re getting the best deals possible at the most reasonable rates.

Our unparalleled customized care is what sets us apart from other insurance companies. After a detailed consultation with our clients and identifying the risks, we provide tailored insurance plans that are well-suited for their businesses and operations.


Our church insurance agents are well-versed and equipped with the niftiest tips and tricks due to their extensive work experience in the industry. Get in touch with us today to discuss budgets and leave the rest to us. Our comprehensive coverage plans include medical, dental, vision, and much more!

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