You value your ministry — and want to protect it. The right combination of coverage from the right provider can help you do just that.
It's best to be prepared before disaster strikes. Dealing with a knowledgable agent who can help you build the right coverage package is key. Here are a few crucial coverage areas to consider:
Property Coverage
Objects like your ministry’s stained glass windows, valuable artwork, sacred objects, grand pianos, pipe organ, sound system, light board and computers are included in this coverage. Total Property also covers personal property of others, debris removal after a natural disaster and increased cost of rebuilding and construction. It's important that your Property Coverage extends to many ministry-unique objects.
Crime Coverage
Protect your ministry’s financial security from burglary, theft, hate crimes, petty crimes and identity theft. It covers the loss of church offerings through theft or disappearance.
Equipment Breakdown Insurance
Protect your mechanical and electrical systems and equipment with Equipment Breakdown Coverage. It may cover air conditioning and heating units, computers, electrical wiring, sound systems, kitchen equipment, and more.
General Liability Insurance
Protect your ministry from liabilities, lawsuits and losses with General Liability Coverage. Your trustees, deacons and church members working on your behalf are covered, too.
Employment Practices Liability
Employment Practices Liability (EPL) protects the church if a former employee files suit due to wrongful termination, discrimination, failure to tenure, sexual harassment and other employment-related allegations.
Fire Damage Coverage
A fire can destroy or severely damage your property. Protect your ministry with Fire Damage Coverage. If you’re renting a building and it’s affected by a fire, this policy may also provide coverage.
Automobile Coverage Policy
Protect your ministry from automobile accidents with Ministry Automobile Coverage. It protects your ministry from financial liability in the event of an auto accident. Plus, it protects your ministry against vandalism, fire and theft.
Extended Coverage
Look for coverage where all vehicles used for church-related purposes are covered as “primary.” If an employee’s or volunteer’s vehicle is involved in an accident while conducting church-related activities, he or she should file a claim with your P&C provider rather than his or her individual auto insurance. This is often called “Symbol 1” auto coverage, and provides more comprehensive auto coverage for your ministry.
Symbol 1 Coverage
Look for “Symbol 1” auto coverage to provide comprehensive auto coverage for your ministry. Symbol 1 applies to all ministry vehicles and drivers, not just scheduled.
Workers’ Compensation Coverage
Protect your employees with Workers’ Compensation. It covers an injured worker’s medical care, loss of earnings, rehabilitation costs for severe disabilities, and survivor benefits for family members.
Directors and Officers Insurance
Directors and Officers Insurance covers liability claims arising out of alleged errors in judgment, breaches of duty and wrongful acts. Without this coverage, your leaders could be held financially liable. From a recruiting perspective, this coverage gives your prospective leaders peace-of-mind that they won’t be burdened with financial damages.
Errors and Omissions Liability
Protect your ministry from claims against errors or failure to perform pastoral services. Errors and Omissions Liability covers the legal costs of allegations or resulting judgments.
Pastoral Counseling Coverage
Protect your pastor from the liabilities associated with pastoral counseling. It protects against claims made of injury (bodily, emotional or personal) related to counseling sessions with your pastor.
Abuse Coverage
Abusive Act Liability Coverage pays for damages resulting from an abusive act – sexual misconduct, or the threat of it – by an unknown sexual offender (ministry leader, worker or volunteer). This coverage protects the church, your employees, directors and officers and volunteers acting on your behalf.
Group Accident and Health
Protect your ministry against accidents or medical expenses during special events or group activities with Group Accident and Health Insurance. It covers accident and medical expenses for VBS, fall festivals, youth camps, Bible studies, choirs, etc.
Inland Marine Insurance
Protect your church equipment or property with Inland Marine Insurance. This policy will provide coverage for any damages to computers, instruments or sound equipment that you were moving or transporting.
Umbrella Liability
Increase your General Liability limits with Umbrella Insurance for extended coverage. Your P&C representative will help you determine the right amount for your ministry.
Builders Risk Insurance
Builders Risk covers damage done to your ministry's property during renovation or construction projects. Whether it's a brand new building or an expansion to the fellowship hall, Builders Risk was designed to protect your ministry from contractor errors, faulty materials or delays.