by steven » Thu May 04, 2006 04:58 am
Churches usually inherit valuables, land, buildings, icons and other property that is very valuable and expensive. Not just this, the churches can also be held to cannon law and certain doctrines. If these doctrines are not followed the churches may face liability charges. To protect from all these, there is church insurance.
Church insurance coverage
Church insurance property coverage - With this policy you can protect the church building, contents of the church, signs, property that is outside in the open as well as fences. Standard items will be covered along with some non standard items like:
Special Church insurance property coverage- Special coverage includes:
Church liability coverage - This policy covers any legal liability for the activities on the church owned premises. This policy also accounts for personal injury liability like libel and slander. If it is the responsibility of the church authority to compensate the cost medical treatment regardless of liability, this policy will provide coverage. All members, employees of the church, all officials, staff and volunteers are covered.
Church insurance also provides coverage for:
- Personal property of the pastor
- Equipments like computers, boilers and electrical equipments
- Church kitchens and cooking equipments
- Church property on and off-premises
- Ordinance
- Any indirect loss
Special Church insurance property coverage- Special coverage includes:
- Scriptures
- Valuable books Artifacts (religious)Stained glass
Church liability coverage - This policy covers any legal liability for the activities on the church owned premises. This policy also accounts for personal injury liability like libel and slander. If it is the responsibility of the church authority to compensate the cost medical treatment regardless of liability, this policy will provide coverage. All members, employees of the church, all officials, staff and volunteers are covered.
Church insurance also provides coverage for:
- Pastor liability
- Medical bills
- Sexual misconduct
- Non-owned as well as hired autos
- Employee compensations
- Molestation and abuse
- "Not for profit" and "for profit" coverage
Getting business insurance for a church
Although business insurance for a church has almost the same analyzing techniques as getting business insurance for a business, churches do differ in some respects. These differences are what help determine what kind of business insurance you may get for the church. When documenting the property of the church make sure to include everything like the halls, meeting rooms, place where the congregation meets and the like.
After you have accumulated the documents, contact a skilled insurance agent who has good idea about church insurance. Place your application with an established church insurer.
Church insurance may not just differ from one state to another but also according to their size. Larger churches may need coverage different from smaller churches. So based on what kind of church you are looking forward to insure, ask your agent to get you a policy that best covers your church.
After you have accumulated the documents, contact a skilled insurance agent who has good idea about church insurance. Place your application with an established church insurer.
Church insurance may not just differ from one state to another but also according to their size. Larger churches may need coverage different from smaller churches. So based on what kind of church you are looking forward to insure, ask your agent to get you a policy that best covers your church.
Posted: Wed Jan 30, 2013 07:52 pm Post Subject: Insurance for building
Would like a qoute on a church building and annex. Would like qoute on no more than $500,000.00 for the building and $250,000.00 for the annex.
Posted: Wed Jan 30, 2013 09:46 pm Post Subject:
Contact Church Mutual Insurance Company or Blackwell Church Insurance, two of the largest property and casualty insurance companies dealing primarily with churches and religious organizations.
Posted: Sun Mar 03, 2013 12:26 pm Post Subject: Liability & Fire Insurance for Church
I'm searching for the best and most affordable liability and fire insurance for my church.
Posted: Mon Mar 04, 2013 08:45 am Post Subject:
Did you read my post which was last in line before yours was added? The answer you needed was right there. My prior post to that explains that this is not an insurance company or agency website. You need to locate and work with a local agent or broker to determine your proper protection needs, which most likely involve more than just liability and fire insurance -- such as coverage for directors and officers, employment, theft, and, possibly, workers' compensation and commercial auto coverage, too.
Posted: Wed May 29, 2013 06:22 pm Post Subject: i need building insurance for a small church
I need insurance quote for a small wood church building
Posted: Wed May 29, 2013 06:44 pm Post Subject:
Contact Church Mutual Insurance Company or Blackwell Insurance.
Posted: Tue Aug 13, 2013 12:05 am Post Subject: Insurance
Looking for insurance for a building in Fairview OK 73737, is a Historical building and needs coverage. Can you send me a quote?
Posted: Tue Aug 13, 2013 04:03 am Post Subject:
We are not an insurance service provider, rather an online community discussing insurance. Still, you could get a fair idea by filing in the "Get Free Insurance Quote" form in the right sidebar of the page.
Hope this helps!
Posted: Mon Sep 30, 2013 01:01 am Post Subject:
how difficult is it to insure a playground on church grounds
Posted: Mon Sep 30, 2013 01:17 am Post Subject:
Insuring a playground is simply part of the underwriting for a commercial general liability (CGL) policy.
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