Churches should always be safe, sacred places of worship. Here are just a few reasons why your church building needs to be protected by insurance.
A church building is a place for worship, gatherings, fellowship, and community events. It makes visitors feel safe, but it should also be kept safe.
But how do you make sure a congregation, the church leaders, and the structure itself will be safe?
A comprehensive insurance policy is a great choice. You may wonder why your church needs this kind of protection.
Churches have special coverage needs that go beyond the scope of a typical insurance policy.
Here are a few reasons you should consider a church package policy like FaithGuard® Property & Liability Coverage.
Your Church Building and Additional Property Should be Protected
Buildings can be subject to damage in many ways, including the obvious natural disasters, equipment malfunction, and fire. But there are a few other risks that may be less obvious. Unfortunately, vandalism, theft, and arson are common problems for churches.
A good policy should cover all of these with no gaps.
Business Interruption Assistance
There are also the issues of extra expenses and decreased income in the event that a church building is damaged substantially. Our insurance policy pays up to $100,000 in lost or decreased income should property damage require lengthy rebuilding.
Property Beyond the Building
A church’s property is often far more extensive than just the church building itself. These unique properties can include
- artwork and stained glass
- pastor’s property
- new and off-site property
- health and emergency equipment
- computer and building equipment
- personal property of mission trip workers
These are some of the many unique church properties that are covered by our policy.
Thorough Liability Insurance for Churches
Liability insurance is absolutely essential in a place that invites many people into its buildings and activities.
Injury and Damage Claims
Your church will need protection against claims of bodily injury or property damage that may occur on church premises or during church activities and events.
This coverage pays for the costs incurred by the injured party if they are hurt at church or at an event. It also pays for damage caused by church members or employees that may occur to another party’s property during a church-sponsored event.
Slander, Libel, and Bad Advice: When Words Cause Harm
This covers liability for offenses such as slander and libel. Additionally, claims of injury or financial loss resulting from spiritual counsel by your minister or an associate of your minister are covered.
Liability Coverage for Unique Church Concerns
Our policy covers many issues that may arise in a church environment.
Because churches employ many people, offer counseling services and childcare, they face the possibility of lawsuits from claims of damages from bad advice or misconduct.
Sexual Misconduct Liability is a Must
Sexual misconduct liability protects a church in the event that one or more of its members is accused of committing or commits a sexual crime on church property, on church business, or at a church event.
This is important for a church, as this type of lawsuit can quickly become a financial nightmare.
Counselling Coverage
Counselling services can be risky, too. If a member believes they have received advice from church employees or volunteers that have caused them financial or emotional damage, they may bring a lawsuit against the church.
We offer your church protection in these cases.
A Policy that Protects on All Fronts
A church’s insurance needs are more extensive than many realize. It’s difficult to compile a list of what your church might need covered, and trying to make sure all aspects are considered is a headache.
Your plan should include basic property and liability coverage, in addition to optional, specialty coverage for church-specific needs.
Don’t leave your congregation unprotected.