West Virginia is a naturalist’s wonderland where most people come to visit its natural parks, the Appalachian Mountains, the unparalleled sceneries, and experience the refreshing culture. Apart from its charming scenic delights and burgeoning culture, West Virginia has become a plum destination for those searching for a deeper meaning in life and reconnecting with their spiritual side by worshipping in the house of God.
One of the reasons why West Virginia is becoming well-known for its quality of sublime spirituality is its lion’s share of Gothic Revival churches and how its people are deeply committed to serving their community.
Many religious transformations took place in the state where Protestant missionaries worked day and night to evangelize and educate the people and strengthen their denominational ties. This is why today, more than 78% of the total population of West Virginia is a practicing Christian and is working endlessly in these houses of worship to provide spiritual healing.
One of the most dedicated organizations in the state, the churches of West Virginia are always working to serve their community. These houses of God make sure to provide a safe space for different communities, including the minorities, the disabled, the destitute, and the homeless. These churches take responsibility for funding support group meetings and self-help programs for people who are battling mental illnesses and substance abuse problems.
Church leaders in West Virginia go out of their way to provide counseling sessions for people seeking mental and emotional support and organize events like youth outreach programs, local and foreign evangelical missions, and community meals.
Since there is no end to the number of services the church provides for the people of West Virginia, every church leader carries a great responsibility to protect their people and ensure their safety from potential liability claims and litigations. Liabilities and litigations can lead to hefty legal charges, and these lawsuits are hard to recover from financially.
You never know when disaster might strike, and your church can be exposed to liabilities like cataclysmic floods, fires, hurricanes, hail, and even events of break-ins, vandalism, and burglaries. This is why every church leader must be equipped with a robust church insurance policy that will safeguard their ministry from any financial dents and keeps their organizations afloat no matter what comes their way.
Considering its specificity, it’s difficult to find a church insurance policy that meets all of your specific needs and requirements. There are often not that many choices available in the market, and you might require a specialist’s insight when obtaining a reliable church insurance plan that is reliable and provides proper coverage. This is where our certified church insurance brokers come in.
Our experienced church insurance agents at Integrity Now Insurance Brokers are well aware of every kind of professional and personal liability a religious organization can be vulnerable to. This is why we are committed to helping you find the most comprehensive coverage policies that will protect your ministry from a 360-degree viewpoint.
With our access to numerous A-rated church insurance agencies in West Virginia, we can help you formulate well-rounded church insurance plans and receive maximized protection at the most competitive rates.
Let’s schedule a call today for free of charge assistance from our church insurance agents, and we will help you compare quotes and get church insurance plans in no time.
Why Does Your Ministry in West Virginia Need a Specialized Church Insurance Policy?
Churches and non-profit organizations in West Virginia are regularly involved in several personal and legal activities, which is why they require a specialized church insurance plan to protect their ministry from any possible pitfalls and litigation claims.
Church leaders have a lot of responsibility when it comes to safeguarding their congregation and the church community – they need to be prepared with a reliable risk management plan and robust church insurance policies to shield their people from any threats and accidents.
Here are some reasons why your ministry in West Virginia requires an adequate church insurance plan.
Protecting Church Property and Assets
Churches in West Virginia have a lot of historical value and often have valuable stained-glass windows, sanctuary lamps, aspersoriums, the altar, sculptures, etc. These churches also receive a lot of charitable donations from numerous organizations and have vast facilities and assets on the premises.
A single case of burglary or theft can lead the church to bankruptcy and a financial drain that is hard to overcome.
Many reports reveal that West Virginia has the highest percentage of flooding in the state. Apart from that, the state even reported 312 wildfires that occurred in just three months in 2021 and caused a lot of significant property damage.
These destructive events can lead to irreparable damage to the church structures and expose hazardous materials like oxides, asbestos, and dioxides.
This is why every church must invest in a proper church insurance policy to get comprehensive coverage for any rebuilding and repair costs.
Insuring Church Liability
Churches host numerous grand-scale events like weddings, christenings, baptisms, wakes, funerals, and vigils. These churches always have high foot traffic and are exposed to several vulnerabilities like accidents and other threats.
This is why all church leaders must ensure their grounds are well maintained, and there isn’t any broken furniture or slippery surfaces where people can fall and hurt themselves.
Anyone who gets injured on church grounds has a right to file a personal injury lawsuit against the church, which can cost thousands of dollars along with reputational harm and defamation. But with a church liability insurance policy, your organizations will be shielded from such litigations and you won’t have to pay any extra out-of-pocket expenses for attorney’s fees or other legal charges.
Safeguarding the Church Community
Since church leaders are usually relied on for spiritual direction and divine healing, they need to prioritize the safety of their community. Regular events like bible studies, missionary school fairs, band practice, and community sermons occur daily at the church. All participants are vulnerable to hazards and accidents that can lead to hefty liability claims.
This is why every ministry leader in West Virginia must purchase a sturdy church accident insurance which covers any medical treatment bills and rehabilitation costs of anyone who gets harmed during a religious service.
Insuring Ministry Leaders
When church board members and ministry leaders make important financial and administrative decisions, they can be held liable at any time for any damages that take place due to their decisions.
Many church leaders in West Virginia face liability claims due to mismanagement of financial records, failure to perform transactions that safe-keeps the church’s tax-exempt status, discrimination, and using charity funds in a manner that is against the donor’s wishes.
Since there are so many risks surrounding these decisions, every ministry requires a Directors and Officers (D&O) insurance policy to protect their church board members from any excessive lawsuits.
A Guide on Different Coverage Policies Available for Churches in West Virginia
Every ministry requires a comprehensive church insurance policy to shield its reverential operation from hefty lawsuits and liabilities. Our insurance agency’s independent church insurance brokers have extensive experience in the insurance industry. They have deep knowledge about the kind of coverage policies every ministry leader should include in their risk management plan.
Even if your church already has invested in a church insurance policy, our insurance agents can recommend additional endorsements that you can add to your base insurance, so you’re getting maximized protection that covers all the bases.
Whether your church is just starting as a fledgling operation or is a well-established organization, you can minimize all risks that revolve around your ministry with a reliable church insurance plan.
Here are some different types of church insurance policies that you should consider investing in for your ministry in West Virginia.
General Liability Insurance
As the name suggests, general liability insurance is a ‘general’ or broad form liability coverage plan. This policy provides comprehensive coverage for two major types of liability claims: claims of bodily injuries from customers and employees and claims of property damage.
Without this insurance plan, your ministry might face several legal charges that can lead to many temporary and permanent damages.
To give you an idea, the average cost of a slip and fall claim can be up to $20,000. Since many churches are operating on a tight budget, a single exorbitant lawsuit can have long-term damaging effects. This policy will also provide coverage for any settlements and judgments, including attorney’s and expert witnesses’ fees, post-judgment interest, and appeal premium bonds.
You can expand your general liability insurance to address other church-related vulnerabilities as well, like liability for pastoral counseling, cemeteries, teachers, and sexual misconduct.
Workers Compensation Insurance
Every church leader is legally required in West Virginia to purchase a worker’s compensation insurance regardless of the number of employees. This insurance policy will provide ample coverage for any medical treatment bills and lost wages due to work-related injuries, including death benefits for all the employees.
Employee Practices Liability Insurance (EPLI)
is one of the most popular insurance policies in West Virginia that offers coverage for situations when church employees sue the church for wrongful termination, retaliation, harassment, discrimination, or slander.
With this insurance policy, your church will be reimbursed for any judgment and settlement expenses for defending your organization from such lawsuits.
Churches are more prone to fire accidents because of the liberal use of candles during religious ceremonies. Wildfires are also common across all counties of West Virginia, which is why every church must have an appropriate fire insurance policy to protect the church from any fire-related damages.
Umbrella Insurance Coverage
The umbrella insurance coverage plan is a reliable endorsement that is very useful when your base insurance policy reaches its limit in a lawsuit. For example, if your ministry is being sued for $400,000 and your base insurance is providing coverage for $300,000, the umbrella coverage plan will kick in and cover the shortfall of $100,000.
Other coverages your ministry receives with this policy include coverage for church-owned vehicles, protections for church leaders and pastors, and any property damage to neighboring buildings from a church-related accident.
Abuse and Molestation Coverage
The abuse and molestation coverage policy provides proper coverage and protection from any occurrences and consequences of abuse and molestation. This coverage plan will protect your church from any allegations of sexual misconduct or wrongful acts concerning negligent employment, retention, investigation, and failing to protect someone from sexual abuse.
Commercial Auto Insurance
If your church provides transportation facilities to seniors, minors, pastors, and the clergy, it’s crucial that you invest in commercial auto insurance.
This coverage plan will protect all private, rental, and church-owned vehicles from any accidental damages due to collisions, break-ins, vandalism, floods, or fires.
Equipment Breakdown Insurance
Several churches in West Virginia have outdated electrical and computer systems that can easily break down due to flooding and storms. The repair and replacement costs of this equipment can be astronomical, which is why having equipment breakdown insurance is a must-have for every church.
What Makes Integrity Now Insurance Brokers the Top Choice for Ministries in West Virginia?
Finding a reliable and comprehensive church insurance policy can be an overwhelming and lengthy process. This is why our licensed church insurance agents are offering the most relevant coverage policies that meet all the specific needs and requirements of your operation.
At Integrity Now Insurance Brokers, we prioritize every religious organization’s safety and protection through proper coverage plans. Our customized care is what sets us apart from our competition, and we make sure to go the extra mile for our clients to help them streamline robust insurance plans at the most competitive rates.
Ready to get personalized church insurance policies? Get in touch with us today to book a free consultation with our certified church insurance brokers. Just fill us in with your budget plans and details, and leave the rest to us! We partner with top-tier church insurance agencies in West Virginia, and with our extensive experience, we assure you that you are in safe hands.