Integrity Now Insurance Brokers — New Hampshire
Churches in New Hampshire are more than just behemoth structures with regular masses and sermons. For the longest time, churches and other houses of worship have been an important part of any community where they’ve found a home. They offer a place for people to engage in spiritual activities, offering places for religious services and prayers.
Churches have also provided refuge for people in trying times. Anyone going through issues related to mental health, disabilities, destitution, or requiring a temporary place to stay, work, or a center for counseling may find some help at their local church.
Churches also run missionary campaigns and some programs to provide relief to drug, alcohol, and substance abuse victims looking to get some help. They organize regular services like youth outreach programs, fund local and foreign evangelical missions, and rent out their facilities for grand-scale events like weddings, wakes, vigils, funerals, and baptisms.
There is no end to the number of services the church provides, which is why churches have a lot of responsibility to ensure that every member of the church is well-protected and safe from any potential liabilities.
Every church leader must take every precautionary step to keep their congregation safe whenever they encounter a cataclysmic event. They must streamline a robust risk aversion plan with comprehensive church insurance policies to ensure their congregation and operation are well-protected from reputational or financial dents.
Considering its specificity, there aren’t many options available in the market when it comes to church insurance. Obtaining it isn’t as simple as calling the local broker to get a quote. You’ll need someone who specializes in the area. This is where our highly qualified church insurance agents come in.
Integrity Now Insurance Brokers offers highly optimized insurance programs to help make things easier for church leaders in New Hampshire. Whether you’re a fledgling startup or a well-established church revered by the community, we can help you identify any risks associated with your organization and guide you through every insurance policy to help you decide on the right one. We go above and beyond for our clients and connect them to the best insurance companies in New Hampshire at the most reasonable rates.
Book a free consultation with us today to get started.
Why Does Your Ministry in New Hampshire Require Comprehensive Church Insurance Plans?
Houses of worship receive a lot of charitable donations and comprise vast facilities and assets like expensive furniture, office equipment, educational props, and more to be able to serve the community and spread the word of God. Unfortunately, churches are not immune to catastrophic events that could impede their operations and dent their financial standing.
In this litigious world, church leaders are continuously finding ways to optimize protection from hefty lawsuits. Bodily injury and property damage lawsuits, structural damages, reputational damages, sexual abuse claims, wrongful termination claims, theft, vandalism, arson, electrical surges, and many other weather-related calamities can wreak havoc on ministries in New Hampshire.
Anyone who suffers property damage or bodily injuries on church grounds can sue the church for a personal injury lawsuit. The church becomes legally liable for compensating for diagnosing, treating, and rehabilitating the person until they feel better. Additionally, there have been numerous instances where the clergy faced lawsuits for causing unintended emotional damage during sermons or counseling sessions.
Since church leaders have to make many legal and financial decisions daily, there are considerable chances of someone accusing them of sheer negligence when it comes to managing financial records, performing transactions that risk the ministry’s tax-exempt status, and using charity funds as per the donor’s wishes.
Churches should also have appropriate policies that minimize the liability risk of your ministry and sexual conduct coverage that safeguard the church members from alleged and actual claims. Since volunteers are a big part of any religious organization, church leaders must conduct background checks on every person they hire to serve the vulnerable members of the community. This also applies if your ministry hosts events or domestic and international missionary trips.
Due to the overwhelming risks faced by ministries in New Hampshire, it’s essential to invest in a comprehensive church insurance plan, so you have sufficient coverage when it comes to members, pieces of equipment, church-owned structures, and the pastor’s belongings without you having to deal with the financial or legal consequences of replacements, repairs, or hefty lawsuits.
Streamline Suitable Insurance Policies That Align with Your New Hampshire Ministry's Needs
At Integrity Now Insurance Brokers, your church’s protection is our priority. Partner with us to get multiple coverages with several policies added to help protect against specific risks unique to your situation. Even if your current church insurance policy covers the basics, your risk assessment plan might require additional endorsements to protect your ministry from a 360-degree viewpoint.
Our highly-qualified church insurance agents will guide you line by line through different church insurance policies. They will highlight all the risks and help you devise a proper insurance plan to maximize protection and shield you from liability claims.
We have access to many AM Best A-rated church insurance companies in New Hampshire, which we carefully select after scrutinizing their past stellar records. Whether you’re a well-established church or a new, smaller startup, we can tailor a church insurance program for your ministry in New Hampshire.
Even if you’re renting, our specialist agents can help you get proper coverage for the pews, chairs, equipment, and other items. We’ve also helped several licensed colleges, K-12, or pre-schools connect with the relevant church insurance companies to help them structure the right program that covers their needs properly. All the best options for securing your New Hampshire ministry are just a call away!
Your Gateway to Reliable Church Property Insurance in New Hampshire
Church property insurance can help protect your ministry’s financial health from disasters that are beyond your control. Water damage, growth of mold, leaking pipes, decay, storms, and fires could lead to structural damage that can increase the risk of collapsing.
Vandalism, electrical surges, and other malicious activities can also lead to significant losses.
Regardless of factors like whether you own the building or are renting it to serve the community, your church’s denomination, or the size of your church, you need to optimize protection to ensure nothing impedes your congregation’s safety and growth. Proper coverage by a reliable church insurance company can help keep your ministry afloat, regardless of the severity of the damage.
Types of Church Liability Insurance Policies Offered by Our network of Trusted Church Insurance Companies in New Hampshire
For many people, a church is more than just a place of worship; it is a place of fellowship, prayer, and spiritual growth. However, many churches today operate on a tight budget and risk running out of resources to provide for their community. A single incident that isn’t covered by insurance can be enough to bankrupt a church and deprive a community of support.
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.
General liability insurance
General liability insurance for churches entails a ‘general’ and broad coverage and takes care of every aspect of a church. It protects houses of worship against claims of property damage and bodily injury from members, visitors, neighbors, volunteers, and employees.
Without this insurance plan, you may end up paying for these charges out of the organization’s income, which can lead to bankruptcy. If general liability insurance coverage is added to your risk management plan, your organization will be shielded from reputational harm and defamation cases. A specialist church insurance agent can help you decide how much general liability coverage your church needs.
Employee Practices Liability Insurance (EPLI)
The EPLI coverage policy provides coverage for claims that arise from practices related to the employees. Any employee can accuse church members of age or gender discrimination, wrongful termination, negligence, harassment, and retaliation. But in that case, the EPLI policy will kick in and pay for attorney fees and any other liability claims.
Pastor's and Ministers' Liability Coverage
Sometimes people can accuse church counselors and pastors of mental, physical, or emotional harm. This is where this coverage policy will prove useful. Churches can ensure maximum protection for their ministers and pastors by purchasing the pastor’s and ministers’ liability coverage plan.
Auto Liability Insurance
If your church provides transportation facilities for students, members, visitors, or clergy, it’s probably at risk of commercial auto exposure. Remember that the auto policy must also cover private vehicles used for church activities. The coverage typically provides ample coverage against bodily injuries and physical damage from accidents. Some policies also offer protection from vandalism, theft, arson, and other unfortunate incidents.
Hired and non-owned auto insurance is equally important, as every ministry will occasionally hire a non-owned, personal vehicle for church-related tasks. Every time a person uses a vehicle not owned by the ministry to perform a church-related task, the ministry is at risk of a claim. The policy is especially helpful when a ministry gets sued after an auto accident.
Worker's Compensation Insurance
The worker’s compensation insurance plan is mandated in New Hampshire. Hence, every church leader must invest in an adequate coverage plan that provides their employees ample protection and pays for any medical and rehabilitation bills if they sustain work-related injuries.
Abuse and Molestation Insurance Coverage
This coverage plan protects church leaders and pastors from alleged and actual claims of abuse or molestation. The legal defense fees for sexual misconduct charges can easily put your ministry on the brink of bankruptcy. Ensuring your church is equipped with this coverage policy is key to defending your clergy and church against molestation and abuse allegations.
Employee Theft Insurance
Since theft is fairly common across all businesses in New Hampshire, an employee theft insurance policy will safeguard your church whenever there is a case of theft, fraud, or embezzlement by bonded ministry employees.
Officers, Directors, and Trustees' Coverage
There are a lot of risks surrounding the administrative and financial decisions of the church. This is why church leaders must purchase the officers, directors, and trustees’ coverage plan to ensure church board members are safe from potential lawsuits, including financial decisions.
Equipment Breakdown Insurance
Many churches in New Hampshire provide online sermons to stay connected with and reach new members. If you got an additional computer system, heating or cooling system, sound system, or other equipment, the Equipment Breakdown Policy helps reimburse the funds spent for replacements and repairs. You should also consider getting protection against cybercrimes if you deal with the sensitive personal data of your staff, members, clergy, volunteers, and so on.
While churches have the same perils as most other structures, the ones in New Hampshire are more prone to fire accidents due to the harsh summers, wildfires, and the use of candles in ceremonies held at the church. Fire insurance protects to cover damages caused by the fire, depending on various factors that you can discuss with us.
Umbrella Insurance Coverage To Get Increased Protection
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 $3 million, but the general liability coverage only provides $2.5 million, the umbrella insurance plan will cover the total shortfall of $500,000.
The umbrella insurance coverage also pays for legal costs, medical bills, property damage from your premises to neighboring buildings, and court settlements and judgments.
There are many church insurance coverages for your ministry in New Hampshire to help ensure it doesn’t suffer any financial hardship if a potential claim arises against it. While ministries are also a type of business, some policies differ from conventional business insurance policies. Church insurance agents at Integrity Now Insurance Brokers can help you get coverage that goes beyond the standard insurance coverage.
What Makes Our Church Insurance Agents Special?
The owner of Integrity Now Insurance Brokers isn’t just well-versed in the workings of the insurance field but is also an esteemed Young Pastor who has been working in the youth ministry for the past 19 years.
His dedication and partnership with experienced professionals have enabled our agency to offer customized care for all clients. We use our credible experience to help church leaders formulate effective church insurance plans for their ministry in New Hampshire. Hence, they never have to worry about debt and excessive legal charges again.
Our church insurance agents are properly licensed and well-versed in the insurance world’s dynamics and complexities, and with our insight and in-depth knowledge, your church is in safe hands.
If you’re ready to get personalized church insurance policies, book a free consultation with our highly qualified church insurance agents today. Just fill us in with your budget plans and details, and leave the rest to us. Give us a call to ask any questions or convey your concerns regarding the church insurance claim process for our services in New Hampshire.