Church Insurance: Are You Covered Properly?

Church Insurance: Are You Covered Properly?

A church can be a building or a group. Either way, like any other building or group, it needs to be protected by the appropriate type of insurance. We don’t often tend to think of churches in this way, but when you consider all the activities and potential liability a church can face, you begin to recognize the importance of church insurance.

Let’s first take a look at the physical building. It isn’t pleasant to consider but like any physical structure, a church can be subject to vandalism or burglary. Like other buildings a church too, ironically, is subject to acts of God like lightning, high winds, flooding, fire and more. There are liability issues with a building including slip and falls or other injuries that could take place on church property. A church also likely has employees it may have to take responsibility for.

The bigger risk, however, may be in all the church-sanctioned and promoted events. While well-intentioned, everything from a church bake sale to a church carnival carries risks. Church and sponsored church groups often involve a lot of people in a variety of events on church grounds and elsewhere. They may participate in or operate food drives and pantries, conduct bingo games, have church sponsored tours and trips and perhaps even pot-lucks. This doesn’t even include the number of church services, bible studies or outreach activities.

Churches may have other assets including a rectory, church van, pre-school or even a radio station. The point is many don’t fully appreciate how involved churches can be in their community, and the many ways they can be exposed to financial losses from liability claims.

Even if a church has some basic church insurance coverage, it may not be sufficient or may not cover every activity or asset. This is why it is so important an agent be contacted when a church considers acquiring a physical asset or conducting an event or activity.

Whether yours is a large or small church, it is prudent to make sure it has appropriate coverage. We can help. Contact us to get started. We’ll learn more about your building and the activities of your organization. We’ll review your current coverage. Finally, we’ll build and quote a policy to protect the interests of your organization.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt
Filter by Custom Post Type

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt
Filter by Custom Post Type

Do You Know Your Deductible?

What is a deductible, and do you know yours?

The Strange Things People Do With AirBNB Toilet Paper

If you think you know everything about vandalism, think again. These fates could befall your AirBNB rental.

Church Insurance: Are You Covered Properly?

Churches own buildings, vans and even radio stations. They conduct multiple events both on and off church property. Does your church have sufficient insurance coverage?

Ridesharing: How Much is Covered by Lyft and Uber?

Did you know that your rideshare work might not be completely insured? Before you get into an accident, this is what you need to know.

How Umbrella Coverage Protects You When that Rainy Day Comes

Umbrella coverage is perfectly named as it describes an added layer of liability coverage across your personal insurance policies. Learn more on our website.

Six Crazy Things You Can Get Sued for (And How Umbrella Insurance Helps)

Are you afraid of getting sued? If not, you probably should be. Luckily, you can protect yourself with umbrella insurance.

Renting Your Home or Space Out? Make Sure You’re Covered.

Home sharing has become an increasingly popular way to make extra money or meet expenses. Know the risks, however. Learn more about home sharing insurance.

How to Speak “Insurance”

Why is it called an insurance “premium” instead of cost or price? We don’t know either, but here are some common insurance terms everyone should know.

Don’t Get Bit Earning Extra Money Delivering Food

Food delivery service can be a good “side hustle” to make extra money. That is, as long as you are properly covered with auto insurance.

Creating a Legacy Through Life Insurance

Life insurance offers an opportunity for you to leave a lasting legacy for your spouse, family or even a non-profit when you pass away.

Leave a Comment





Translate »