Pray for the best. Prepare for the worst.
Houses of worship insurance with coverage that fits your specific needs.
A church, synagogue, mosque or temple are so much more than places of worship—they are also community centers, employers and oftentimes, homes. We offer customized insurance options that fit all of these unique needs.
When insuring a church, synagogue, mosque or temple, you need to think of it as a building, but also as a community group, an employer and in some cases, a home. That’s why specialized houses of worship insurance is your best route to financial peace of mind.
For example, a good houses of worship policy doesn’t just take care of the obvious costs such as property damage from theft, vandalism or natural disaster, but also the unexpected associated costs. This could include having to update the building to comply with local ordinances when carrying out repairs after an incident.
Which business insurance is right for your house of worship?
Explore how having the right insurance can protect your house of worship from the unexpected.
Stained Glass Insurance
Risk Factor
Stained glass is often very valuable and sometimes priceless. Several hundreds of thousands of dollars might be needed to refurbish the stained glass. If it’s damaged by vandalism, hail, fire, or other means, it can be very costly to fix. Finding a qualified contractor may also be challenging.
Solution
Depending upon your insurance coverage, an appraisal of your stained glass damage could be free of charge. In addition, consider including the value of the stained glass in the building limit of the church, and also include coverage under the church’s blanket limit. Some insurance companies may treat stained glass as part of a fine arts floater. Either way, this helps ensure the proper coverage in the event that something bad happens.
Abuse and Molestation Insurance
Risk Factor
There are hundreds of reports each year of people being sexually abused by clergy, church staff, volunteers, and congregation members. Countless more are abused without any report being made.
Solution
Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.
Non-Owned Auto Insurance
Risk Factor
Church volunteers and employees often use personal vehicles to do work for the church.
Solution
Make sure to add hired and non-owned auto coverage to the church’s insurance policy to cover this exposure. Also, check the motor vehicle records for anyone who drives other members…especially kids.
Religious Freedom Insurance
Risk Factor
Churches sometimes have very closely held beliefs that may open them up to potential lawsuits in the event the church’s beliefs cause someone else to feel wronged. An example might be a church refusing to perform a same-sex marriage, which results in a lawsuit.
Solution
Consider adding religious freedom coverage. This insurance can protect the church in the event it is sued because of closely-held beliefs core to the church.
Directors and Officers Liability Insurance (D&O)
Risk Factor
Almost all churches have some form of board of directors that makes financial and operational decisions on behalf of the congregation. An organization once sued a church for improperly using their trademarked property while promoting a fundraising event. The total loss and defense costs totaled $400,000.
Solution
Directors and officers liability insurance protects the decision-makers of the church from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the church’s D&O policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.
Church Roof
Risk Factor
Roof claims are the most common claims that churches face. Each year, billions of dollars of damage are typically paid as a result of storm damage.
Solution
Ensure you have the proper coverage and confirm that you are insured to full replacement value. In addition, make sure your insurance policy includes replacement cost coverage for roof claims for wind and hail.
Church Security
Risk Factor
Security in churches is becoming a larger issue as attacks have increased in recent years.
Solution
Every church should have a security plan. This plan should detail where parishioners go in the event of an emergency, which entrances are open during worship times, who should contact the authorities, how to spot someone who may pose a security risk, and how to react to someone who is trying to cause harm to parishioners.
Professional Liability Insurance
Risk Factor
Pastors often find themselves giving counseling to couples or other church members. In addition, pastors could be at risk of a lawsuit for what they say in the pulpit.
Solution
When it comes to counseling, pastors should have clear guidelines on what is acceptable in a counseling situation. In addition, pastors should be trained to know what needs to be reported to the authorities in the event of an extreme situation. Adding professional liability coverage to your church’s insurance policy can help protect the pastor and church from claims or lawsuits arising from what the pastor says at the pulpit or when teaching or preaching.
The list of coverage items that an ordinary policy might not include is lengthy.
Examples include defibrillators or other equipment needed for large groups of visitors, personal property and even the costs of repairing or replacing things like stained glass windows.
You can also get coverage for liability issues, travel risks on mission trips and the costs of recruiting a suitable religious leader if a replacement becomes necessary.
To find out more about specialized houses of worship insurance options, contact us today.
Houses of Worship Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.