If you’re a ministry leader, it’s very likely that what keeps you awake at night is not your biggest area of risk. Most leaders are concerned about sexual abuse, and while these serious offenses need to be accounted for, the reality is that most claims are associated with accidents like storm damage or electrical fires. Distinguishing your church’s realistic risks help you make educated decisions that ultimately improve the well-being of your congregation, community, staff, and facility.
What Makes Church Insurance Unique:
Churches fall into the larger category of Commercial Insurance but are very different from a business. Most churches inherit risks from providing physical, emotional, and spiritual care to adults, children, and even communities worldwide. This means that Church Insurance must be a fusion of standard business and unique mission-related coverages to protect the church from ground, to steeple, and beyond.
Each coverage can generally fit into one of these four broad risks: Property, Liability, Auto, or Employee. Sound familiar? That’s because this is a standard Commercial Insurance format. However, when you dig deeper, you will see that each coverage needs industry specific policy language, all while maintaining the integrity of mission and financial health.
Setting Your Church Up for Success with a Good Policy:
Your church’s policy should include these primary insurance coverages (just to name a few). As a friendly reminder, Commercial Insurance is complex and needs to be tailored to your church. Please connect with one of our experts and refer to your policy for specific coverage details.
Property Coverages: Addresses the risk of damage or loss to physical church property at the hands of a covered peril, such as theft, fire, vandalism, fallen objects, and some weather events. If your church is grounded in a climate that faces unique weather-related risks (such as floodplains or hurricanes), you may need endorsements (extra coverage) to include these events.
Liability Coverages: Addresses the risk of harm to others, even if it’s an accident.
Auto Coverages: Addresses liabilities associated with damage to/by church vehicle(s).
For a more detailed explanation about Commercial-Auto Insurance, click here.
Employee Benefits: When a church has staff, it is often required to provide Workers Compensation. In the state of Ohio, this must go through the state. However, if you have questions or employees outside Ohio, we can help. We can also connect you to valuable group benefits to invest in happier and healthier employees, including:
What to Look for In Your Carrier:
It’s important to find an industry-specific carrier! Generalized coverage is simply not enough. Here at Heritage Insurance Advisors, we partner with carriers strong in the church market to help you cover unique risks in one comprehensive, cost-effective package. We are also proud to have a licensed pastor on our team who understands church insurance with an inside perspective. This allows us to connect you to thorough coverage with a few key benefits, including:
At the end of the day, we want to help you be the best stewards of your resources, while maintaining wise protection for your church and the communities you serve.