Title: Church Insurance - Cost & Coverage (2021)
Headings: Church Insurance
Church Insurance
Church Insurance Policy Information
How Much Does Church Insurance Cost?
What Type Of Liability Insurance Do Churches Need?
What Type Of Property Insurance Do Churches Need?
Church's Risks & Exposures
Commercial Insurance And Business Industry Classification
8661: Religious Organizations
Church Insurance - The Bottom Line
Types Of Small Business Insurance - Requirements & Regulations
Small Business Insurance Information
Types Of Small Business Insurance
Business Insurance Required by Law
Other Types Of Small Business Insurance
Additional Resources For Non-Profit Insurance

Content: Regular daily visits to the premises by a member of the clergy or a parishioner can be very helpful in preventing and detecting losses. Ignition sources include electrical wiring, heating, and air conditioning equipment. There may be cooking facilities for community events. While domestic ranges and ovens are generally used and should be supplemented by portable fire extinguishers, any commercial cooking equipment needs to be properly controlled. Many churches have installed sound systems that are attractive to thieves, as are computers and other office equipment, video devices, and musical instruments. Some churches, particularly older ones, have ornate woodwork, built-in pipe organs, or stained glass windows that may be expensive to replace in the event of a loss. Smoke alarms and burglary alarms are recommended due to the long hours of no occupancy. Gold, silver, and other valuable items may be part of the church statuary and ornamentation. A fine arts policy should be considered because of the limitation in most policies regarding the theft of such items. Premises liability exposure is moderate due to the large number of visitors to the premises.