Church Insurance Louisiana
Louisiana Church Insurance Agent
Louisiana is known as the land of burgeoning cultures, exuding the timeless rustic appeal of small and charming places full of tight-knit communities. The Pelican state has the cachet of serving as a haven for people looking to get away from the hustle and bustle of city life and find solace in the state’s refreshing nature reserves, historical landmarks, and the rich cultural scenes.
Apart from their numerous exciting restaurants, shopping centers, and the arabesque stretch of the Mississippi River Delta, the people of Louisiana have always been passionate about serving in the house of God.
84% of the total population of Louisiana is a practicing Christian. The evangelical history of the Pelican state dates back to the 16th century which is why you are more than likely to come across a behemoth Gothic revival style church that is nothing but a treat for the eyes and the soul.
Churches in Louisiana are home to several communities seeking safe refuge and carry great responsibility. These houses of God extend their services to a lot of people, including the people with disabilities, the homeless, the mentally challenged, and the destitute. Individuals who are battling substance abuse go to faith leaders at the church for guidance. The revered leaders at the church are relied on for counseling in times of turmoil, and people seek emotional support, mental health support, and spiritual direction from them.
Churches also rent out their facilities for large-scale events like weddings, baptisms, and funerals and organize regular services like national and international missionary trips.
There is no end to the services that the church provides. This is why every church leader must take the precautionary steps that ensure that their operation and the congregation remain safe and protected whenever they come face to face with a cataclysmic event.
Churches heavily rely on volunteers, and church leaders should also safeguard their volunteers from liabilities and litigations. The church can be vulnerable to several liabilities like floods, fires, burglaries, vandalism, accidents, etc.
This is where our church insurance agents come in. At Integrity Now Insurance Brokers, our well-experienced insurance agents are well-versed with every professional and personal liability that can take place at ministries and organizations. With our deep knowledge of the dynamics and the complexities of the industry, we can assure you that you are in safe hands. Our tailored church policies will ensure your church’s protection in the case of any calamity of a heft lawsuit.
We have access to numerous A-rated church insurance agencies in Louisiana, which we meticulously selected based on their stellar past records. Reach out to us today to receive maximized protection with personalized insurance policies at the most affordable rates.
Why Does Your House Of Worship in Louisiana Need a Specialized Church Insurance Coverage?
Churches and non-profit organizations take part in several legal and personal activities, which is why they need specialized insurance plans that will guard them against any possible pitfalls, financial strains, and liabilities.
Churches and ministries take responsibility for a large number of people during their services and special events. Vandalism, break-ins, accidents, and adverse weather conditions, numerous imminent threats could lead to temporary or permanent damage.
Here are some reasons why churches and ministries require insurance.
Protecting Church Property
Since churches receive a lot of charitable donations and consist of vast facilities, it’s important to have property insurance that protects your ministry’s assets.
Louisiana sees a significant number of tornadoes, floods, and cataclysmic storms that lead to irreparable structural damage and exposure to hazardous materials like oxides, asbestos, and dioxides. But reliable church property insurance will help to protect your church from any damaged and exorbitant repair costs.
A comprehensive insurance plan will provide ample coverage for rebuilding costs in the event of an unforeseen natural disaster and reimburse for church-owned structures and any damage to church equipment.
Protecting Your Church Community
Where many people rely on the church and faith leaders for emotional support and divine guidance, it’s essential to prioritize their safety and well-being.
Events like support groups, parties for elementary school kids, Bible classes, and missionary school fairs are daily taking place at the church. This is why church leaders must consider purchasing accident insurance which will cover the medical costs of these people if any one of them gets harmed during a religious service.
Insuring Your Church’s Liability
Since there are a huge number of large-scale activities and events happening at churches and ministries on a daily basis daily, organizations are always running the risk of sustaining property damage and people getting injured on their grounds.
It’s essential to make sure the church grounds are well-maintained, and there aren’t any slippery surfaces or broken furniture, railings, or pews where people could sustain bodily injuries.
Anyone suffering a significant injury on church grounds can choose to sue the church for a personal injury lawsuit.
But a liability insurance policy known as the church liability insurance will safeguard the church from any lawsuits and legal fees.
Safeguarding Ministry Leaders
There are many risks that revolve around making financial and administrative decisions for an organization. Church board members can be held personally responsible for any damage that takes place due to their decisions and actions.
These liabilities can include failing to manage the financial records, discrimination, performing transactions that can risk the ministry’s tax-exempt status, and using charity funds in a manner that is against the donor’s wishes.
It is crucial for church leaders to understand all the legal risks and invest in comprehensive Directors and Officers (D&O) insurance that can protect their board members from lawsuits and legal fees.
Types of Church Insurance Coverage Available for Churches in Louisiana
A robust church insurance policy with additional endorsements is a must-have for every church leader’s risk assessment plan. Our insurance agency’s independent insurance brokers have extensive experience when it comes to finding the right coverage plan that is best suited to your needs and financial situation.
Whether your church is a fledgling start-up or a well-established organization, we make sure you’re getting tailored church insurance policies that safeguard your operation from a 360-degree viewpoint.
To make sure your church property, congregation, volunteers, and leaders are well protected, consider opting for the following types of church insurance in Louisiana.
General Liability Insurance For Religious Organizations
The General Liability Insurance plan provides broad coverage and takes every aspect of a church operation into account. The general liability insurance plan protects a ministry from two main liabilities; claims of property damage and bodily injuries from customers and employees. Without signing up for this insurance plan, you might have to face lawsuits dealing with excessive charges that can lead to bankruptcy.
With this coverage policy, you can protect your organization from any reputational harm and defamation cases that are prevalent when it comes to non-profits operating on a big level.
The average cost of a slip and fall claim can go up to $20,000, which is why church leaders must prioritize applying for an adequate insurance plan before anyone hurts themselves on their premises.
Abuse and Molestation Insurance Coverage
This coverage plan protects the church members from alleged and actual claims of sexual misconduct. When it comes to defending your church members from sexual abuse and molestation charges, the total legal fees can reach up to six figures.
Make sure you discuss the minimum amount of coverage that is required for your church or ministry with your church insurance agent.
Employee Practices Liability Insurance (EPLI)
The EPLI is a coverage plan that covers frequent claims like wrongful termination, sexual harassment, inappropriate workplace conduct, retaliation, and discrimination.
This insurance policy also covers claims from other various inappropriate workplace conduct like defamation, failure to promote, invasion of privacy, negligent evaluation, etc.
Pastor's and Minister's Liability Coverage
This insurance plan covers claims that could emerge through pastoral counseling or guidance. Pastors and spiritual guidance counselors can be accused of bringing harm to the client’s body or mind. This is when this insurance plan will protect your church members from being sued.
Equipment Breakdown Insurance
Several churches in Louisiana face problems with their computer systems breaking down, damages to their sound system, or any other equipment which can cost a lot of money to repair. This is when the equipment breakdown insurance policy will kick in to pay for any replacement and repair costs.
Umbrella Insurance Coverage
Anyone can be held liable at any given moment for their negligence. That’s mainly why experienced insurance agents recommend getting an added layer of protection for their general liability insurance plan. For example, if your ministry is facing a lawsuit of $2 million, the general liability coverage will only pay $1.5 million of it. But with an umbrella insurance policy, the shortfall of $500,000 will also be paid for.
The umbrella insurance coverage also pays for legal costs, medical bills, structural damages from your premises to neighboring buildings, court settlements, and judgments.
Workers Compensation Insurance
Every member included in the church leadership is legally required to get worker’s compensation insurance for every one of their employees. This insurance plan covers medical treatments, lost wages, ongoing care bills, and even provides death benefits to church employees.
Commercial Auto Insurance
Many organizations and churches offer transportation facilities for pastors, clergymen, and senior citizens. Opting for a commercial auto insurance policy will protect your church-owned vehicles and rental cars when there are accidental damages, vandalism, floods, fires, and collision.
Employee Theft Insurance
Nearly every business is vulnerable to fraud and theft, which could lead to extra financial burdens that the church might not be prepared to face. This is why every organization should consider signing up for employee theft insurance to protect their operation from embezzlement, theft, or fraud.
According to regional and national standards, the chances of fires are high in Louisiana. There are several reasons for fires causing damage in a church, including short circuits, natural disasters, and arson.
Churches are more prone to fire accidents because of the liberal use of candles during religious ceremonies and masses held at the church.
Purchasing a fire insurance policy will protect your organization and cover any fire-related damages saving you a lot of money in the process.
Optimize Protection for Your Ministry with Premiums at Competitive Rates
Every church leader wants maximized security and protection for their operation without breaking the bank. This is why church insurance agents at Integrity Now Insurance Brokers are the go-to choice of several esteemed ministry leaders in Louisiana.
Our highly qualified church insurance agents are licensed, well-experienced, and knowledgeable about the complexities and the jargon of the industry. Our ability to offer tailored and personalized insurance policies are what sets us apart from other insurance businesses. Your security is our priority.
We do our best to formulate optimized insurance plans that eliminate the risks of threats, lawsuits, and accidents happening at your ministry. We are committed to going the extra mile for our clients and ensuring your claims do not get wrongfully denied.
Whether your church is petite or behemoth, a small start-up, or running regular grand-scale events, every church should be equipped with a personalized church insurance program that protects it in the event of a calamity. This is why we have partnered with top-tier church insurance companies in Louisiana that were carefully selected for their renowned services, comprehensive policies, and unparalleled protection measures.
Get in touch with us today, and we will help you find the best coverage policy to safeguard you against any specific risks unique to your situation.
Why Trust Church Insurance Agents at Integrity Now Insurance Brokers?
The owner of Integrity Now Insurance Broker isn’t just well-experienced in the insurance field but has also been a well-reputed Young Pastor who has worked in the youth ministry for the past 19 years. This is why, at our church insurance agency, you are in safe hands.
Our primary goal is to provide your church with unprecedented customized care. After a free consultation with our agents, we will help you identify risks and then provide tailored insurance plans that align perfectly with your operation.
You can also visit our website to gain more insight about statutory and compliance requirements, your rights, and helpful tips and tricks to help you stay on top of your game.