Churches and ministries have altogether different needs and concerns than those of a business; mission trips, counseling and athletic activities just for starters.  So why would you want to insure your ministry just like a business?  There is a reason that many standard insurance carriers are moving out of the church insurance side of things!

Here are some of the basics you’ll want to make sure are on your church insurance policy.

Church Insurance Policy Components

Property Insurance

This would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage to these items so you would be able to repair or replace these items for today’s cost.

To make sure you have replacement cost coverage on property it is important to check with your independent insurance agent.

General Liability Insurance

This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury and others that can potentially come up if you are found negligent.

Pastoral Counseling Liability

With more people feeling overwhelmed and hurting than ever, church leaders recognize that the church should be a safe place for Biblical guidance and spiritual care.  This protects you against suits that can arise out of these situations.

Directors and Officers Liability

This protects the board members from liability arising from membership discrimination cases, failing to maintain adequate financial records, or using budgeted money in a different way than intended.

Sexual Misconduct Liability

Hopefully your church will never need to face the devastation and destruction of trust, reputation and credibility as well as the financial repercussions that can arise from the effects of sexual misconduct cases, but with the right procedures prevention measures can be taken.  This coverage is especially important because a pastor needs merely to be accused for a claim to arise.  Better make sure the coverage is in place.

This is just a starting point – every ministry is different.  How do you get started finding the right church insurance policy for your ministry?

We always would recommend you calling a local independent insurance agent like us, and discussing your coverage options. Our agency can work with you in finding the perfect fit for your restaurant insurance needs.