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: Churches can safeguard themselves against costly claims by purchasing employee benefits liability insurance. This coverage is added via an endorsement to a general liability policy. Many churches allow outside organizations to use church-owned property for meetings, classes, and other purposes. Churches should require all organizations that use their facilities to provide a certificate of liability insurance to show that they are properly insured. Umbrella Liability
Many general liability and auto liability policies provide a $1 million limit. A large claim could exhaust that limit, leaving a church with a large out-of-pocket expense. A church can avoid this scenario by purchasing a commercial umbrella policy. It provides extra limits over those afforded by your primary general and auto liability coverages. Errors & Omissions Coverage
Church pastors who provide spiritual counseling may be held liable for physical or emotional injury to church members. To protect their pastor, churches need pastoral counseling liability insurance, a type of errors and omissions insurance.