Religious Institution Information
A religious institution is more than a building. It’s a community.
A religious institution can be 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 organization's duty to maintain a safe and welcoming facility. Should disaster strike, a religious organization's insurance policy can protect the community physically and emotionally in times of need.
What types of insurance is available for a religious organization?
Like other kinds of insurance, there are a variety of options to choose from in regards to religious organization insurance. Most plans include property and liability 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
Liability coverage protects the organizatoin against claims of property damage or bodily injury that occur on church property or at a organization-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 religious organization insurance.
In addition to your property and liability coverage, you can add a variety of optional coverages so your policy is customized to your organization's needs. These can include the following:
- Lost wage coverage
- Key person replacement coverage
- Computer fraud coverage
- Flood coverage
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.