General Liability For Churches

With over four decades of experience and a deep understanding of church operations, I’m committed to providing not just insurance, but a partnership to ensure your church’s resilience against legal challenges. Our comprehensive coverage options, combined with a personalized approach, mean your church can continue its mission with peace of mind, knowing its legal liabilities are well-managed.

Core Liability Coverage

• Generous Limits: Up to $2,000,000 per occurrence and $5,000,000 in aggregate to provide your church with robust financial protection.
• Inclusive Insured Definition: Coverage extends to volunteer workers, church members, ministerial staff, and even school nurses, ensuring comprehensive protection for your church community.
• Coverage for All Church Entities: Newly-acquired or formed organizations related to your church are automatically covered, maintaining continuity and security as your ministry grows.
• Worldwide Protection: Your church’s activities are covered globally, ensuring your mission is protected wherever it takes you.

Automatic Additional Insureds

• Coverage extends to various parties, including the lessor of land, mortgagees, and co-owners of premises, providing a broad safety net for your church’s operations.

Additional Liability Coverages

• Defense Costs: Comprehensive coverage for legal defense costs, ensuring your church has the support it needs in legal matters.
• Specialized Coverages: Includes incidental host liquor liability, medical malpractice (including defibrillator use), and watercraft liability for non-owned vessels.
• Violent Incident Response: Up to $300,000 coverage for crisis events, offering peace of mind during unexpected situations.
• Legal Expense Reimbursement: Up to $15,000 per occurrence (and $45,000 aggregate) for legal expenses, aiding in financial stability during legal challenges.
• Financial Safeguards: Coverage for bail bonds, loss of earnings, product recall expenses, and damage to others’ property, ensuring your church’s financial health is protected.

Tailored Liability Endorsements

• Non-Owned and Hired Auto: Excess liability and medical coverage for incidents involving non-owned or hired vehicles.
• Employment Practices Liability: Protection against wrongful employment practice allegations, safeguarding your church’s reputation and finances.
• Employee Benefits Liability: Covers administrative errors in managing employee benefit programs, ensuring your staff’s benefits are handled with care.
• Directors and Officers Liability: Shields individual leaders from personal liability, providing confidence and security in leadership roles.

Special Policies for Targeted Protection

• Educators Legal Liability: Addresses risks associated with educational services, ensuring your educational mission is secure.
• Sexual Misconduct Liability: Offers protection against claims of sexual misconduct, including medical and counseling expense coverage.
• Counselors Liability: Additional protection for counseling services, whether fee-based or not, reinforcing your church’s support services.

Your Church’s Insurance Advocate

With every church facing unique challenges, I am here to help you navigate through the insurance landscape, ensuring your coverage is as comprehensive and tailored as possible. Let’s work together to reinforce your ministry’s foundation with steadfast insurance solutions.