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Workers' Compensation Insurance for Churches

When it comes to Workers’ Compensation Insurance for churches, Integrity Now Insurance Brokers has you covered.  

All employers, to include churches, are required by law to provide workers’ compensation benefits to their church staff by paying for workers’ compensation insurance. All employers must purchase workers’ compensation insurance, regardless of the number of employees.

When one of your church staff suffers a work-related accident or becomes ill due to conditions on the job, the church insurance company is required to pay for the employee’s medical treatment, lost wages, and possibly compensation for a permanent impairment and job retraining.

Many churches do not believe they are required to carry workers’ compensation insurance for their church for one reason or another.  If an employee becomes injured and the employer was not properly insured, the state of California has a little known program to help these employees. 

The Uninsured Employer’s Benefit Trust Fund (UEBTF) will step into the place of the lack of a church insurance company, to pay the needed worker’s compensation insurance benefits. The UEBTF will then attempt to recover the money paid out to the employee from the church who was considered by the state of California to be an illegally uninsured employer.

Common Work-Related Injuries at a Church

When it comes to churches there are no common work related injuries.  Churches can be a bit unique in the things we do, and having worker’s compensation insurance for churches becomes all the more important. 

I remember, walking into my own church and seeing our churches bookkeeper at the top of a 30 foot ladder trying to hang christmas decorations.  As their church insurance agent, I had to advise against this but I knew they were going to continue. 

If I had to come up with the most common workers’ comp injuries that we see for churches, they are from car (or bus) accidents, falls, and lifting or moving objects.

The good news is, nearly all injuries and illnesses arising from a work related situation are eligible for workers’ compensation benefits. No matter if the injuries are related to a single job related accident, or an injury that happens over time like carpal tunnel issues, these work related illnesses and injuries are insured by your workers’ compensation insurance company.

Workers' Compensation Insurance for Churches

How much Workers' Compensation Insurance is included for our Church

The insurance limits that are included for your Workers’ Compensation Insurance for churches, differs depending on which state your church is located in.  For instance if your church is located in California, this state has what is known as statutory limits. 

Workers’ compensation insurance companies that insure a churches located in California, are required to provide the following insurance limits:

  • $1,000,00 EACH ACCIDENT
  • $1,000,00 DISEASE-POLICY LIMIT
  • $1,000,00 DISEASE-EACH EMPLOYEE

This means that for the state of California, no matter which workers’ compensation insurance company you select for your church, they are required to provide the same insurance coverage.

However, if your church is located in the state of Arizona, your workers’ compensation insurance coverage is not statutory.  You could be presented with two different options.

Arizona workers’ compensation insurance coverage limit – Option 1

  • $100,00 EACH ACCIDENT
  • $500,00 DISEASE-POLICY LIMIT
  • $100,00 DISEASE-EACH EMPLOYEE

Arizona workers’ compensation insurance coverage limit – Option 2

  • $500,00 EACH ACCIDENT
  • $500,00 DISEASE-POLICY LIMIT
  • $500,00 DISEASE-EACH EMPLOYEE

For our church clients located in Arizona, we will typically recommend option 2, as the price difference is nominal.  We have seen far to many workers’ compensation claims and the last thing we want to do is skimp on this important insurance coverage.  No matter which state your church is located in, we as your church insurance agent, we will help you make the right decision for your specific situation.  

Can I insure our volunteers under our workers' compensation insurance policy?

Workers’ Compensation Insurance for churches is different, because we as a church organization are different.  Unlike most businesses, we can have “employees” who do not want to be paid for their services.  

These are individuals who show up at church a few times during the week and take on different roles.  One of those roles could be a church secretary.  This would be a paid position normally, however, this person states they do not want to be paid.

As your church insurance agent we work with insurance companies that can provide additional workers’ compensation insurance coverage for your volunteer employees.  The insurance premium is based on the total number of volunteer employees. 

These volunteers is not typically referring to your church greeters, or people who help for a few minutes on Sunday or Tuesday night.  This coverage is intended for those people who come in and serve the church on a regular basis.  For all intended purposes, they are viewed by others who may not know your financial arrangement that they are an employee.

As a church, we would definitely want these individuals covered by our workers’ compensation insurance policy, in the event they were to get injured as a result of a job related injury.  

Best in class Church Insurance Agent

Our church insurance agent’s are ready and waiting, to help your church obtain the correct workers’ compensation insurance policy your church insurance.  We can also help you with your churches general liability insurance as well.  We strive to make the insurance process as quick and smooth as possible. 

To get started, give us a call and/or fill out the contact form with any questions you might have related to your churches insurance. One of our church insurance experts will assist you throughout the entire process, providing unique insurance and risk management solutions for your Church. 

Don’t wait any longer; take the first step toward having adequate workers’ compensation insurance for churches today at an affordable price! 

States we Services: ArizonaCalifornia, Colorado, NevadaOhio, Texas, Washington