What Coverages Do Church Policies Provide?
The exact coverages that church policies offer can vary, but many policies make certain coverages widely available as standard or optional protections. Some common coverages that churches might want to look for include:
- General Liability Coverage, which might cover common accidents that occur on church property
- Employee Practices Liability Coverage, which might cover discrimination claims brought by employees or volunteers
- Daycare and Preschool Liability Coverage, which might cover risks associated with running a preschool or daycare
- General Property Coverage, which might cover a church building and other property
- Ordinance or Law Coverage, which might cover the increased cost of rebuilding a destroyed building to current codes
- Inland Marine Coverage, which might cover expensive items while they’re being transported between locations
- Computer Fraud Coverage, which might cover incidents of online fraud
In addition to these, churches often also get several more ministry-specific protections. A few to consider are:
- Religious Freedom Coverage, which normally protects against religiously focused discrimination lawsuits
- Ministers and Pastors Liability Coverage, which normally covers clergy and sanctioned counselors who provide spiritual guidance
- Church-Sponsored Activities Liability Coverage, which normally covers a range of incidents that might occur during official events
How Much Do Church Policies Cost?
Church policies vary in price as many factors influence how much premiums are. Location, building size, number of attendees and number of employees are just a few of the items that could impact how much a church pays for insurance. Coverages selected, limits chosen and previous claims history, of course, also all play a role.
Regardless of how much a policy costs, however, having coverage is almost always the prudent decision. Premiums are generally much less than the potential price of facing a major claim without any protection in place. A single large disaster or liability lawsuit could leave a church financially devastated and, possibly, even force it to close.