Title: Business Insurance Coverages for Your Church
Headings: Business Insurance for Your Church
Business Insurance for Your Church
Churches Are No Longer Immune From Lawsuits
Sources of Coverage
Property Insurance
Liability Insurance
General Liability Coverage
Umbrella Liability
Errors & Omissions Coverage
Business Auto
Workers Compensation

Content: This is no longer the case as courts have eliminated most church immunity. Nowadays, churches are subject to the same types of lawsuits that affect for-profit businesses. General Liability Coverage
General liability insurance protects a church against claims by third parties for bodily injury, property damage, and personal and advertising injury. The policy should cover church employees, volunteers, officials, staff, and members as insureds. Churches are vulnerable to claims alleging sexual abuse of adults and children. To protect themselves, churches can purchase sexual misconduct insurance. This coverage may be written separately or added to a general liability policy. Nowadays, churches are subject to the same types of lawsuits that affect for-profit businesses. Like for-profit businesses, churches may offer fringe benefits to their workers. If a church fails to administer these benefits properly and employees are harmed as a result, the church may be sued by employees.