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Charity First: A Robust Insurance Package Program for Religious Institutions

Charity First is proud to serve the religious sector with a package policy tailored exclusively for denominational/non-denominational churches, synagogues, temples and more. 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 religious institutions. Our program offers General Liability, Property, Sexual Abuse/Molestation, Medical Payments, Corporal Punishment, Pastoral & Counseling Liability, as well as several optional coverages. The program is available in most states.

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Coverage Highlights

General Liability

While acting within the scope of their duties, provides coverage for: 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
  • Business Income and Extra Expense - Up to $250,000 Automatically Included
  • EDP - Up to $250,000 Automatically Included
  • Glass and Stained Glass
  • Agreed Value
  • Fine Arts - Up to $250,000 Automatically Included
Medical Payments - $20,000
Corporal Punishment
Defense Outside the Limit
  • Religious Counseling Liability
  • Executive Liability (D&O/EPLI)
  • Employee Benefits Liability
  • Non-Owned Automobile
  • Owned Auto Liability (including buses) and Physical Damage
  • Accident, Death & Dismemberment
  • Excess Layer – Limits available up to: 
    • $10,000,000 each occurrence/claim
    • $10,000,000 annual aggregate each Congregation
  • International Coverage for Employees and Volunteers
Submission Requirements
  • ACORD applications
  • 5-year loss runs
  • Religious Organization Supplemental

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Specialized Coverage for Churches, Synagogues and Other Religious Organizations

At Charity First, we understand that religious institutions are not only a place of worship but also serve as the anchor for many individuals and families throughout the community. In addition to pastoral counseling many activities take place under the umbrella of a religious entity, including sports activities, education, and youth programs, just to name a few. We provide a comprehensive insurance package that addresses the various activities and subsequent challenges and exposures churches, synagogues, and temples face. From providing Property coverage, including for fine art and religious articles, to Liability insurance that includes coverage for clergy and others while carrying out their duties, to separate Sexual Molestation and Abuse limits, our package policy is designed to protect these institutions in the event of property damage, injuries, accidents, and loss. Our Excess insurance policy is designed to protect religious entities in the event of catastrophic losses, with limits available up to $10 million.

With us, you can also offer your clients a full range of coverages so they come to you for all their insurance needs, including providing Employment Practices Liability Insurance, Directors and Officers Liability, Accident Death & Dismemberment, among other key insurance products.

Additionally, you will have the benefit of the underwriting and loss control experience our associates bring to the table to help you properly insure your clients.

Charity First: Your first resource in insuring religious institutions.

Learn more about how we help you insure the religious sector with a comprehensive insurance program. Please call us at 800-352-2761.

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