Insurance for Churches

A Business Owner’s Policy (BOP) combines common business coverages (General Liability and Property Insurance) into one convenient policy. It’s a great fit for many Churches and Houses of Worship and provides the flexibility to add additional coverages based on your needs.

Offering advice is a natural result from your daily activities, as leaders you are often sought out for your perspective and wisdom. An unfortunate side effect of this is that it exposes your leadership and organization to lawsuits if that advice is perceived to have provided a negative outcome. Professional Liability provides protection for possible damages that result but more importantly it also provides coverage for the legal defense of these claims, even when they are false and unwarranted.

Depending your your size and situation a BOP may not be the right fit, instead a package consisting of General Liability and Business Property may be the way to go providing greater flexibility in how coverage is designed.

Many congregations have recently added virtual services to their operations – this has been a tremendous lifeline for many during the last few years, but with the added reliance on technology comes the added risk of cyber crime. Cyber liability may be added to existing policies are obtained on it’s own depending on the extent of coverage desired.

There are many other coverage options depending on the need of your House of Worship, for example if you own and operate vehicles, have employees, or are concerned about crime there are specialized coverages to address those needs. A quick conversation with one of our agents will help you determine which protections are right for your organization.