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: To protect their assets so they can continue to serve their mission, churches need to buy insurance. Sources of Coverage
Churches have several potential sources of insurance coverage. Very large churches may save money on insurance premiums through self-insurance. Small or mid-sized churches may purchase coverage from a standard property-casualty insurer or a specialty insurer like Church Mutual and Brotherhood Mutual. Both standard and specialty insurers have developed insurance programs for churches. Property Insurance
All churches need property insurance. A commercial property or business owners policy will protect your organization against loss or damage to church-owned buildings and personal property. Church property may be insured for its actual cash value or its replacement cost. While coverage based on actual cash value may be appropriate for an older building that's not in good condition, most churches should be insured for their replacement cost. The building limit should be high enough to cover the cost of reconstructing the church if it has been completely destroyed by a fire or other insured peril.