Church Insurance
Have your prayers answered with our church insurance program. It features coverage for churches or other places of worship as well as retreats, religious camps or other church events. Risks to churches include everything from injury to members as they move around your facility, unexpected damage to property, vandalism, even the loss of tithing should services be interrupted over an extended period due to fires, floods, etc.
General Liability
- Primary Limits up to $3,000,000 Occurrence/Aggregate
Included Coverages:
- Medical Payments Coverage – $5,000 Limit
- Additional Interests
- Sexual and Physical Abuse Coverage – $100,000 per Claim/ $300,000 Aggregate
Deductible:
- No Deductible Required
Property
- Basic, Broad or Special Form
- Replacement Cost or ACV
- Building
- Contents
- Business Income
- Equipment
- Breakdown
- Accounts
- Receivable
- Computer
- Equipment
- Outside Signs
- Valuable Papers
- Food Spoilage
Crime
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises
How Much Does Church Insurance Cost?
Since churches are not entirely safe from issues, you will have to insure them. However, the cost of church insurance will depend on many factors, such as the size of the church building, region, etc. However, you should also consider the coverage that each policy is offering. In general, you can get up to $3,00,000 per occurrence and aggregate while dealing with general liability.
Other included coverages include medical payment coverage with a $5,000 limit and sexual and physical abuse coverage with a per-claim limit of $100,000 or an aggregate claim of $300,000. In addition to these, you can choose different coverages for issues like a replacement, building, contents, equipment, breakdown, food spoilage, valuable papers, computer, theft, crime, etc. Given that each church will have a different proportion of these elements, the cost would also vary.
