Church insurance. A church is more than a building. It’s a community.
A church is a worship center where people unite in a familiar, comfortable environment. Individuals seeking spiritual guidance join together to form a familial bond. It is your ministry’s duty to maintain a safe and welcoming facility. Should disaster strike, a church insurance policy can protect the community physically and emotionally in times of need.
What types of church insurance are available?
There are a variety of options to choose from in regards to church insurance. Most plans include property and liability coverage. There are also additional coverages and endorsements you can make to these policies to add more comprehensive insurance coverage.
Church Insurance – Property Coverage
Property coverage protects buildings, signage, fences and contents from damage and theft. Some of the non-standard items that are covered include, but are not limited to, the following:
- Stained glass windows
- Equipment failure, including electronics
- Fire and security alarm upgrades
- Personal property loss worldwide, e.g., items lost on a mission trip
Church Insurance – Liability Coverage
Liability coverage protects the ministry against claims of property damage or bodily injury that occur on church property or at a church-sponsored event. Enhanced liability coverage includes, but is not limited to, the following:
- Personal injury liability
- Teacher/governing board liability
- Specialized emotional injury liability
- Sexual misconduct liability
- Directors, officers and trustees officers liability
- Employee practices liability
It may be beneficial to add commercial auto insurance and workers compensation to your policy for added protection.
Make the most of your insurance coverage.
In addition to your property and liability coverage, you can add a variety of optional coverages so your policy is customized to your church’s needs. These can include the following:
- Lost wage coverage
- Key-person replacement coverage
- Computer fraud coverage
- Flood coverage
DID YOU KNOW?
You don’t have to wait until your insurance renews in order to make a change. In fact, often, you can switch your insurance anytime you have a payment coming due.
Contact us today to learn more about coverage options. Our agents are happy to work with you to determine which coverages best meet your needs. We would love to offer your church a quote. We work with trusted church carriers such as GuideOne Insurance, Southern Mutual Church Insurance Company, and more. We help insure churches in Metro Atlanta and Middle Georgia. We have offices located in Acworth, Georgia as well as Eastman, GA. We can meet your Georgia church’s needs.