Recommended insurance for churches

Recommended insurance for churches

1. Property Coverage
   

Property coverage includes such items as buildings, contents, signs, property in the open and fences. Your policy will include coverage for standard items and can cover nonstandard items such as the following:
   
• Equipment breakdown, including computers, boilers and electrical equipment.
• Newly acquired personal  and off-premise property.
• Pastor’s personal property.
• Ordinance of a law coverage — provides money to offset a cost of bringing buildings up to code in case of a violation of an ordinance or a law due to the aging of older equipment or a change in zoning laws.
• Stained glass windows.
• Indirect loss.
• All-risk. With all-risk, the policy covers risks and physical losses as a result of any peril unless specifically excluded. Your church may also elect to add the following endorsements to your policy for more protection:
• Crime coverage — protection for losses resulting from theft, employee dishonesty, forgery and alteration. 
• Inland marine — covers valuable possessions that may be transported from one place to another.

2. Liability Coverage
   
Protects the legal liability of the church for activities on all owned premises and personal-injury liability, such as libel and slander. It also includes medical expense coverage, regardless of liability.

3. Recommended Liability Endorsements 
   
• Nonowned and hired auto.  
• Directors, officers and trustees. 
• Employment practices.
• Sexual misconduct. 
• Medical.

4. Extras
   
• Workers’ compensation. 
• Business auto. 
• Umbrella. 
• Group life. 
• Key employee life. 
• Coverage for bringing the building up to code after a loss.