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 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. 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.