Don't leave everything to chance; keep yourself protected with an insurance
Churches, synagogues, mosques and temples are much more than just buildings. They are sacred spaces that carry great meaning to all who gather there for prayer, community, connection and spirituality. It is for these reasons that the places of worship must take steps to provide safe spaces for occupants and mitigate risk on their properties.
General Liability Coverage
A churchgoer trips on your broken stairs, he breaks his arm. You need to pay for medical his expenses.
Your general liability policy would cover the medical expenses or any other expenses you are liable to pay.
Commercial Property Coverage
When the candles in your church starts a fire and spreads throughout the church damaging furniture and other appliances.
Your commercial property insurance would help you cover the costs of repairs and damages to your church property.
Commercial Auto Coverage
If any of your company vehicles are involved in an accident, you have to pay for third-party bodily injury, property damage, or pollution cleanup.
Commercial Auto policy would cover any expense for the medical care of the other driver and repair his property
Worker’s Compensation Coverage
While carrying a heavy equipment, your employee injures himself. He needs medical care and cannot work until he recovers.
Workers’ compensation would pay for his medical bills and a portion of lost income while he recovers and is unable to work.
Pastoral Professional Liability Coverage
A couple claims your failure to provide spiritual guidance led to their divorce
Pastoral professional liability insurance covers this by paying for your legal defense, including lawyer’s fees, court costs, and court-ordered awards or settlements.
Church Insurance is protection designed for the unique coverage needs of churches and other religious organizations. Whether you need insurance to protect your church property, employees or vehicles, choosing the right coverage is vital to ensure that your organization remains healthy financially.
General Liability – A common coverage for churches. It protects against a variety of situations such as a worshipper becoming injured on a slippery floor.
Business Owners Policy (BOP) – Offers both liability coverage and protection for your church building and property.
Commercial Auto – Liability and physical damage coverage for church vans, busses or other vehicles used in your organization. This can include vehicles used for charity events, running errands and transporting passengers.
Good risk management starts with asking tough questions about your ministry’s practices and operations. Here are nine areas to consider when developing a risk management plan for your church:
Accident Prevention:
Are your sidewalks well lighted, dry, and covered with non-slip material? Are walkways and doors kept free of obstructions? Are parking lots safe? Is playground equipment maintained?
Childcare:
Do you use a paging or other system to ensure children return only to authorized parents? Do you do a background check on all of your workers and volunteers?
Fire Protection:
Does your church have a fire alarm system and fire extinguishers readily available? Are your fire sprinklers maintained?
Transportation Dangers:
Does your church own vehicles that are well maintained? Do you use volunteer drivers? Do they have adequate insurance? Are they trained to drive large vans or buses?
Counselling:
Does your church (or the individual counsellors) carry professional liability insurance? Do you have a policy that covers counselling activities?
Finances/Payroll:
Are dual signatures required for all checks above small amounts? Does your church file the appropriate tax forms for all employees, including W-2s and 1099s?
Volunteer Selection & Training:
Does your church thoroughly screen volunteers who will be driving church vehicles or working with children? Do you supervise volunteers and train them in their responsibilities?
Security:
Does your church have an electronic security system in place? Do you have a strictly enforced key monitoring system? Do you have adequate lighting around your doors, parking lots, and at the rear of your buildings?
Church Employees:
Do you have up-to-date hiring policies? Do you provide ongoing training? Do you have a sexual harassment policy?
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
We extend coverage to individuals and businesses in Oshkosh, WI and surrounding areas.
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