Integrity Now Insurance Brokers specializes in ministry insurance. We have helped thousands of churches of all sizes obtain the needed ministry insurance coverage. We work with church insurance companies that are A Rated and specialize in church ministry insurance.
It is important for churches to have the proper insurance in place to protect their members, visitors, and their church property. Many churches start off in someone’s home and quickly grow into needing a commercial space to rent. It is at this point of moving into a commercial building that you need to obtain insurance for your church.
As your churches continue to grow, it will be important that you consider increasing your ministry insurance limits and/or add new insurance coverages to help protect all of the different ministries within your church organization.
If you are currently insured and you would like for us to conduct a review of your insurance policies we are here to help.
We would love to partner with your church, by guiding you through the needed insurance coverages that will help protect all of your ministries.
What Ministry Insurance Coverages Does my Church need
Below are a few of the ministry insurance coverages you will need to have in place to protect the members of your church. While is this not a complete list of insurance coverage it does provide you with some of the must haves as you are contemplating purchasing insurance for the ministries of your church organization.
General Liability Insurance
Most churches, initially seek out general liability insurance for their church not fully knowing what that may involve. This coverage is usually required by their landlord to ensure the landlord is protected. It is not until after the church has their first claim, that they feel a sense of peace knowing they are also protected.
Directors and Officers Insurance
Churches are considered nonprofit organizations which means you are required to have board members. These board members will need to be protected for the financial decisions they make on behalf of the church. Many church insurance companies will also include Directors and Officers insurance as part of their package policy.
Commercial Auto Insurance
Your church may have the opportunity to purchase a new church van or bus. Your ministry insurance will have specific coverages to help protect your church from an auto insurance claim. You will also want to have a coverage that is called: non-owned & hired auto insurance.
Even if your church does not own a vehicle, you may still have vehicle liability that you may not be aware of.
Church Property Insurance
Church Property insurance is there to not only protect your church buildings but also your church business personal property. No matter if you are renting or your church owns a building, it will be important to have all your property insured to the correct values.
Sometimes a church faces a catastrophic liability claim. In these instances, your church may need some extra protection to cover the full cost of the claim. Many church insurance companies can extend up to $5,000,000 or more, to be included as part of your ministry insurance. It is important to consider additional insurance protection as your ministries grow.
Workers’ Compensation Insurance
It is important for your ministry insurance include workers’ compensation insurance to cover the employees that are working on half of the church organization. This helps not only protect the church from a financial crisis, it also protects your people in the event they become injured and are unable to work. Workers’ compensation insurance for your ministry is also required by law to have in place.
Abuse and Molestation Insurance Coverage
While this may be an uncomfortable reality for churches, it is vital that your ministry insurance includes this important coverage. As we evaluated your church, have adequate limits in place to help protect the financial condition of your church. It will be important that the ministry of your church, has the proper child safety policies and procedures in place. We can help your church with setting these very policies.
Pastoral Counseling Insurance Coverage
Your ministry insurance policy will automatically include pastoral counseling coverage if you are insured with a church insurance company that specializes in churches. It is important for the pastor of your church to be protected for the things they teach on throughout the week.
We are your
Ministry Insurance Expert
No matter how big or small your church ministry is, our ministry insurance agents are ready to help you structure an insurance policy that best meets your church’s needs. We strive to make the insurance process as quick and smooth as possible.
To get started, feel free to give us a call and/or fill out the contact form. Our ministry insurance experts will assist you throughout the entire process, providing unique insurance and risk management solutions for your Church.