Church Insurance Nebraska
For a diffusely populated state, Nebraska is sure loaded with fun things to do for those adventurous at heart. The land known for its enchanting natural beauty is sandwiched between the Midwestern United States and the Great Plains.
With the charming Midwest camaraderie, agriculture roots, zoos, historical parks, and avant-garde art scenes, Nebraska is nothing short of extraordinary. Besides their refreshing nature reserves and rich culture, Nebraskans have always been passionate servants of God.
Nebraska houses some of the most behemoth churches with a rich history. Their evangelical commitment stems from the fact that nearly 76% of the total population in Nebraska are practicing Christians.
Churches have always been used as places of sanctuaries to receive divine guidance, find healing in difficult times, and maintain enriching relationships with the community. Ministries in Nebraska host numerous substance abuse services and do not turn away any person that comes seeking help at their doorstep. They also serve as a safe refuge for the marginalized communities where several volunteers and groups work to support and raise funds for the impoverished.
These churches also rent out their facilities for grand-scale events like weddings, wakes, vigils, funerals, baptisms, christenings, etc. Ministries are also responsible for organizing regular events like domestic and international missionary travel, bible classes, parties for Elementary kids, community meals, and summer camp.
There is no end to the number of services in which the church plays an active role. Due to numerous events on church grounds every day, it is not uncommon for these organizations to be exposed to accidents and hazards. Church leaders carry a great responsibility to ensure that every person in their church is safeguarded from any potential liabilities. They must take every precautionary step to ensure that their church members and the congregation stay safe whenever they encounter a cataclysmic event.
Churches are often running on a tight budget and cannot afford to go through the huge financial burden that comes with lawsuits and liability claims. But with a comprehensive church insurance policy, your ministry will never have to face this financial strain.
Find The Perfect Insurance Policies That Align With Your Ministry's Operation
At Integrity Now Insurance Brokers, your church’s protection is our priority. Connect with licensed church insurance brokers in Nebraska to get a robust church insurance policy at competitive rates.
Our highly-qualified church insurance agents will guide you line by line through every insurance policy, highlight all the risks, and devise a proper insurance plan best suited to your operation. You are in safe hands with our years of experience and an extensive network of A-rated church insurance providers.
Feel free to give us a call at any time and get specialized insurance plans for your church today. Our tailored church policies will ensure your church’s protection in the case of any calamity of a heft lawsuit.
Why Should Your Nebraska Ministry Have a Specialized Church Insurance Policy?
Non-profits and religious organizations do much more than just counseling and providing spiritual guidance to the community.
Church leaders need to ensure the ministry receives charitable donations and that the funds and assets are used to benefit the church members and the communities they serve.
That’s why they need to add adequate church insurance coverages to their risk management plan to soften the blow and prevent any financially draining lawsuits.
Here are some reasons churches should consider signing up for a sturdy ministry insurance plan.
Protecting Church Property
Churches have vast facilities, antique assets, and donations they frequently receive to continue their mission of spreading the word of God. Arson, burglary, theft, water damage, and vandalism—there can be many mishaps that happen due to a single disastrous event, and the repair costs can be astronomical.
A church property insurance coverage will cover the cost of repairing and rebuilding the church in an unexpected natural disaster, adverse weather, or accident. It will protect all the church assets and investments the congregation makes in the ministry and reimburse them for repair costs if their church ever sustains structural damage.
Protecting the Church Community
Church members rely on faith leaders of their church for divine guidance, spiritual ablution, and emotional support. But church leaders should also make sure that they prioritize every church member’s safety and protect them from liabilities.
There are volunteer events, bake sales, Bible classes, church sports, and outreach programs that are frequently happening at the church. In case of any accidents or misdemeanors during these activities, insurance will provide comprehensive coverage, including diagnosis, medical bills, and rehabilitation for anyone who sustains mental, emotional, financial, or physical damage.
Protection from Potential Liabilities
Due to numerous activities taking place at the church daily, the church is vulnerable to accidents and hazards. Church leaders must ensure that their church grounds are well-maintained and eliminate any hazards that can lead to bodily injury.
Anyone suffering a significant injury on church grounds can sue the church for a personal injury lawsuit that can cost a fortune, leading to imminent bankruptcy. Churches are also becoming increasingly susceptible to litigation and liability claims for false or actual accusations.
A robust church liability insurance plan will safeguard the church from any litigations and liabilities related to its activities. While the church property insurance provides coverage for church-owned structures, the church liability insurance will help pay for any damages that others accuse of the church. It will protect your church from any lawsuits and legal fees and save your ministry from reputational harm and defamation.
Protecting Ministry Leaders
Ministry leaders can be held personally responsible for the slightest negligence surrounding the financial and administrative decisions. They can be wrongfully accused of breaking their fiduciary obligations to the church or using charity funds in a way that is against the donor’s wishes.
Other liability claims can be wrongful termination, sexual abuse, discrimination, failing to manage financial records, performing transactions that put the church’s tax-exempt status at risk, and giving inadequate financial insight.
Once you properly understand all the legal risks that revolve around administrative duties and decisions, invest in comprehensive insurance to protect church leaders and clergy from lawsuits.
Different Types of Ministry Insurance Coverage Plans Available for Religious Organizations in Nebraska
For Nebraskans, the church is more than just a place of worship – it’s a haven where they connect to their deepest spiritual selves, find direction, and altruistically give as much as possible to their community.
However, churches are often on a tight budget, and a single false or actual accusation can lead them to the brink of bankruptcy.
A specialized church insurance plan will prevent any of that from happening and keep your organization debt-free and stress-free.
To ensure your ministry, church leaders, and congregation are protected from financial burdens, consider investing in the following types of church insurance policies in Nebraska.
General Liability Insurance
The general church liability insurance plan offers broad coverage, taking every aspect of the ministry’s operation into account. This insurance plan offers protection from two common liability claims; claims of property damage and bodily injuries.
Any person who slips and falls on church grounds can sue your organization and cause defamation and reputational harm. Without the general liability insurance plan, your church will be exposed to exorbitant legal fees and lawsuits that can become a huge financial strain that is hard to overcome. But with this insurance policy, medical bills and rehabilitation will be paid for.
Someone can also sue your church for libel and slander because of miscommunication between the employees. The general liability plan will also cover legal fees and costs for defending your operation from such claims.
Employee Practices Liability Insurance (EPLI)
The Employee Practice Liability Insurance or the EPLI offers coverage for situations when any church employee sues your organization for wrongful termination, discrimination, harassment, sexual misconduct, slander, or retaliation.
This insurance policy will reimburse the church for court settlements, judgments, and any expenses for defending your ministry from employee-related defamation.
Employee Practices Liability Insurance (EPLI)
Churches can ensure maximum protection for their ministers and pastors by purchasing the pastor’s and ministers’ liability coverage plan.
Sometimes people can accuse church counselors and pastors of mental, physical, or emotional harm. This is where this coverage policy will prove to be useful.
Commercial Auto Insurance
Churches and ministries often offer seniors, ecclesiastics, and pastors transportation facilities. If your church also owns or rents vehicles, the commercial auto insurance will prove useful for your ministry.
We also recommend performing thorough background checks on your drivers and ensuring proper licensing to drive large and small vehicles. This will ensure every youth and senior churchgoer is transported safely to their beloved place of worship.
Hired and non-owned auto insurance is equally important, as every ministry will occasionally hire a non-owned, personal vehicle for church-related tasks. Whenever a person uses a vehicle not owned by the ministry to perform a church-related task, the ministry risks a claim. The policy is especially helpful when a ministry gets sued after an auto accident.
Worker's Compensation Insurance
Nebraskan law mandates the worker’s compensation insurance for every employee and volunteer hired to work at the church. Church leaders must prioritize their employee’s health and well-being, regardless of the number of employees.
This insurance policy covers medical bills and lost wages and provides death benefits for any employee that sustains an injury during their service at the church.
Employee Theft Insurance
Employee dishonesty and theft are sadly very common in every business in Nebraska. Even houses of worship aren’t safe from these malpractices.
So you should consider purchasing employee theft insurance, which will cover any losses incurred during theft, fraud, and embezzlement by employees hired by the church.
Professional Liability Insurance
Any employee, vendor, or church member can file a lawsuit against the church for any reason, like mismanagement, alleged misconduct, or sheer negligence.
The officers, directors, and trustees’ coverage plan will save your church and the church board members from liabilities and litigations. Personal assets are also covered, including bank savings, investments, and the equity in the person’s house. This insurance plan will also pay the church for legal bills, settlements, and other expenses that come with a lawsuit.
Professional Liability Insurance
The legal fees of defending church members for alleged or actual sexual misconduct charges can easily reach six figures. This is why this insurance coverage plan will protect church members from bankruptcy and liquidation.
Make sure you discuss the minimum coverage required for your church or ministry with your church insurance agent.
Wildfires are becoming a common occurrence in Nebraska, so it’s best to get a good fire insurance policy to prevent out-of-pocket expenses when it comes to rebuilding church-owned structures.
Fires are also very common in churches due to frequent candles in religious ceremonies. But with a reliable fire insurance policy, your church will have ample protection, so your operation will continue running smoothly.
Umbrella Insurance Coverage for Extra Protection
The umbrella coverage policy is a must-have layer of protection that you must add to your general liability coverage plan. This insurance policy provides extra protection to your organization in the case of an excessive liability claim.
This coverage plan will protect you if any church-owned vehicle gets into a serious accident, if any church board members are facing a hefty lawsuit, if anyone injures themselves on church premises, or if a neighboring building gets damaged because of a church-related accident.
The umbrella insurance is very useful when your base insurance plan reaches its limit in a liability claim. For example, if your church is being sued for $400,000, and the general liability insurance only pays $300,000, the umbrella insurance policy will cover the shortfall of $100,000.
Other advantages of this insurance policy include coverage for wrongful prosecution or eviction, false arrests or imprisonment, libel, slander, defamation, and invasion of privacy.
Why Trust Church Insurance Agents at Integrity Now Insurance Brokers?
It doesn’t matter if you’re running a fledgling organization or a big establishment, there is a specialized church insurance program out there for your ministry, and our church insurance brokers will help you find it.
We have partnered with several AM Best A-rated and trust-worthy church insurance companies offering specialized services to ministries in Nebraska. Each was meticulously selected after checking their comprehensive coverage plans and proven track records. At Integrity Now Insurance Brokers, we aim to ensure you get tailored insurance policies that will cover every aspect of your organization at the most competitive rates.
Our church insurance agents are well-versed with the insurance world’s dynamics and complexities, and with our insight and in-depth knowledge, rest assured that your ministry is in safe hands. We will go the extra mile to make sure your operation is never wrongfully denied and gets the justice that is rightfully yours.
If you’re ready to get specialized insurance plans for your ministry in Nebraska, you can find more helpful resources to gain insight into the industry jargon, statutory and compliance requirements, your rights, and other nifty tips and tricks.
After a quick consultation, our insurance agents will help you compare quotes and provide customized insurance policies best suited for your operation. We will work with you to identify any risks and provide you with tailored insurance plans that suit your operational needs and financial situation.