Churches aren’t just open on Sundays and holidays. They’re often home to preschools, daycare centers, bible study groups, and community meetings all week long. And that all leads to greater risk of falls, fires, misconduct, and even theft.
Fortunately, our independent insurance agents can help you find the right church insurance policies to protect your congregants, visitors, and assets. But first, let’s shine a little light on some of the potential risks your church faces.
Churches encounter a number of different risks, but thankfully many can be minimized with the right protection. The four biggest risks include:
There are roughly 1,800 fires every year in religious properties that result in over $98 million in damages. And this doesn’t even include the indirect costs of fire damage, like canceled income-generating activities, money spent on renting meeting space, or suspension of community outreach services.
Cooking is the most common cause of church fires, followed by malfunctioning heating equipment, faulty electrical wiring, arson, and candles. Church insurance covers both fire damage and any resulting liability or medical issues.
2. Slips and falls
Definitely one of the most common risks that churches file claims for, slips and falls can happen anytime and anywhere. Your church insurance policy protects against medical bills and legal fees that come from injuries that occur on church property or at church functions.
3. Theft and burglary
Unfortunately, churches are frequent targets of burglary and theft. Both can result in financial loss and damage to valuable church property. Church insurance covers items such as stained glass windows and other religious artifacts, which may not be protected properly on a normal property policy.
4. Sexual abuse and misconduct
Sexual abuse and misconduct can happen in any business, and churches are not exempt. If you or one of your employees is accused of sexual harassment or sexual misconduct, the liability portion of a church insurance policy can protect your church and its members.
Risks for churches aren’t limited to the top four. Here are a few others:
Storm damage: In 2014, storms caused roughly $5.4 billion in property damage, according to the National Weather Service. Damage from hail, floods and lightning can be expensive. The property damage portion of a church policy will help cover those costs.
Water damage: Frozen pipes and leaking faucets can cause extensive damage to your church. Flooding and interior wall damage is common and expensive. Repair costs are covered under a church policy.
Lightning and electrical surge damage: Computers, sound systems and other electrical equipment can be damaged by a lightning strike or power surge. Insurance for churches will step in and cover the cost of repairs or replacement.
Recreational activity injuries: Children can be injured in a daycare center, camp or other recreational activity hosted by your church. A church policy will help cover medical costs and any liability issues.
Houses of worship often have different insurance needs from houses of business. Church insurance understands these differences and offers a variety of liability and property coverages you can select to construct the perfect policy for your needs.
While there are a lot of options, it’s easy to tailor a policy that only includes the coverages your religious institution needs. Insurance options include:
In each case listed above, your church liability insurance can pay for damages and related defense costs.
Working with an agent who is experienced in church insurance is key to fully protecting your religious institution. There’s a lot of unique risks and coverages that your agent should understand in order to get you the coverage you need without any gaps.
Trusted Choice has access to over 250,000 independent insurance agents and can find the right local agent for your needs. They’ll help you put together an insurance package that will protect your church and fit your budget. And as your church grows and changes, they’ll be there to advise you on any recommended policy changes you may want to consider.
Independent insurance agents are kind of like the Google of insurance quotes. You tell them what you’re looking for, and they bring in the results. And since they aren’t tied down to one carrier, they’re free to shop around and bring multiple policy options to the table.
And it gets better, you don’t have to review the policy options alone. They’ll walk you through everything you need to know about finding the right coverage, and price, for you. But it doesn’t end with your signature. Along the way, if something bad ever happens, they’ll handle the entire claim process for you and deal with the carrier, so you can focus on your ministry. How sweet is that?