Evangelical Lutheran Churches in America
ELCA Religious Program
Charity First serves the religious sector by providing a robust package policy tailored exclusively for the Evangelical Lutheran Church in America, or ELCA, congregations and synods. For over 15 years, Charity First has served as an adviser and advocate in property and casualty insurance coverage for ELCA congregations and synods. With our sole focus on creating and managing insurance programs for religious and nonprofit organizations, we are uniquely positioned to understand and meet the needs of your ELCA clients.
Our program is available on a nationwide basis through licensed insurance brokers.
Coverage Highlights:
General Liability
While acting within the scope of their duties for the Congregation or Synods, provides coverage for:
- Rostered Clergy
- Council and Committee Members
- Members of the Congregation
- Volunteers
Primary Layer Highlights
- $1,000,000 each occurrence/claim
- $3,000,000 annual aggregate each Congregation
Sexual Abuse / Molestation
- $1,000,000 each occurrence
- $2,000,000 annual aggregate each Congregation
Property Protection
- Real and Personal Property Blanket Limit
- Replacement Cost Valuation
- Glass and Stained Glass
- Agreed Value
- Fine Arts and Musical Instruments
- Loss of Income
Medical Payments
Corporal Punishment
Defense Outside the Limit
Optional Coverages
- Workers’ Compensation
- Religious Counseling Liability
- Executive Liability (D&O/EPLI)
- Cemetery Professional Liability
- Employee Benefits Liability
- Non-Owned Automobile
- Owned Auto Liability (including buses) and Physical Damage
- Accident, Death & Dismemberment
- Excess Layer – Limits available up to:
- $5,000,000 each occurrence / claim
- $5,000,000 annual aggregate each Congregation
In addition, we offer the following program enhancements:
