What do Clients Look for in a Church Insurance Policy?

In recent years, churches have become increasingly vulnerable to lawsuits and legal claims. It’s important as a church leader for your client to have a good risk management or security-planning program in place, however in addition to that, insurance is a vital and absolutely necessary tool to protect their religious facility. As their insurance advisor, it’s important to know what they are looking for in a church insurance policy, to be able to guide them in the right direction and help them obtain comprehensive coverage.

One of the first insurance coverages that most church officials consider purchasing is property coverage, which provides financial protection for their buildings and business personal property. The most frequently asked question agents receive from church leaders tends to be: How much insurance do I need? It’s important to advise your clients that the answer to this will depend on the needs of their specific church.

Liability coverage is another important component of a comprehensive church insurance policy. Church leaders nowadays are, unfortunately, increasingly facing claims due to sexual abuse or misconduct, whether justified or not. In addition to general liability, which pays the damages for an injured party as the result of bodily injury or property damage, church leaders also look for coverage regarding the overall management of the church by protecting the decisions of their directors and officers. Executive liability and employment practices liability are vital to a sound church insurance policy. Additionally, church leaders should consider pastoral or clergy professional liability to protect them and their pastor(s) from counseling activities.

Property and liability insurance are not the only coverages your clients need to consider, however this is a good start. Charity First is proud to serve the religious sector with a package policy tailored exclusively for denominational/non-denominational churches, synagogues, temples, and more. Whether your client is exploring different church insurance companies, or seeking coverage for their nonprofit or another type of business, they can trust in our services. Please contact us today to learn more at (800) 352-2761.