Sometimes I get asked the question:

“What are the differences between your policy and the one we currently have?”

Since I am asked this question often I will explain a few benefits of our church insurance over other carriers.

Details of Policy Language

While some will want to focus on the details of policy language, coverage limits and endorsements, they are not the place to start. Factors effecting those concerns should begin with selection of your agent. Having an agent who understands church operations and culture should ensure your church has the proper limits and endorsements.

Not every agent is familiar with Royal Rangers, Upward Sports, Awana, bus ministry or how a jail outreach operates.

  • Has your current agent dealt with a home school association that wants to use part of your church?
  • Does your agent know the risks of going on a foreign mission trip?

There are many good insurance companies with excellent policy language and endorsements. The key is making sure you have the right agent who “gets” what your church is all about. Find someone who knows what it takes to plant a church or open a satellite location.

Business Income and Extra Expense

Sometimes, Business Income and Extra Expense is built into a policy regardless of your premium. This means the smallest tenant church and the large church both have $100,000 available to them in the event the church has a loss.

Typically, during a period of reconstruction when services are held elsewhere offerings decrease. In addition, expenses not normally part of the budget are incurred. For example, GuideOne Insurance provides up to $100,000 that can be used to bring your offerings to pre-loss levels and to pay those extra expenses.

Liability Coverage

Our liability coverage has an unlimited dollar amount available to pay for legal fees in the event your church is sued. This covers frivolous lawsuits as well. The church does not pay defense costs.

Property Coverage

We cover church members property inside your church up to $25,000. If you loan your mower to the church and it is stolen-we have you covered. All maintenance sheds, and out buildings are covered to $25,000. They do not need to be individually listed on the policy. It is built in.

Find an agent that knows what you need before you even ask. Request a church insurance quote today!