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When insuring a house of worship, you need to think of it as a building, but also as a community center, an employer, and in some cases, a religious leader’s home. With church insurance, you may find coverage to help bring you peace of mind.
Church insurance is a type of business insurance that protects the owners of houses of worship against specific risks. There are many different coverage options that may or may not apply to your house of worship, which is why there is no one-size-fits-all solution. For example, a church insurance policy may take care of the obvious costs such as property damage from theft, vandalism, and natural disasters, but may also cover the unexpected associated costs for those covered events. This could include having to update the building to comply with local ordinances when carrying out repairs after an incident.
Houses of worship are unique in the type of insurance they require for the risks they face. Ensuring that your house of worship is properly covered is important, and here are a few of the coverage options that may be added to a church insurance policy:
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, the personal property of religious leaders, and even the costs of repairing or replacing things like stained glass windows. You may also be able to get coverage for church events, child care, as well as ministers and pastors liability, which are all specific to the day-to-day operations of houses of worship.
There are things that are unplanned, but your house of worship still needs to be prepared for the unexpected. You may want to get coverage for liability issues, travel risks on mission trips, and the costs of recruiting a suitable religious leader if a replacement becomes necessary. These are risks that may come out of nowhere, but having them under your policy may help bring you the peace of mind you need.
Are you ready to protect your house of worship with church insurance? Contact us to go over the risk factors and insurance needs of your house of worship, as well as your coverage options.