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: 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. To prevent slips, trips, or falls, all areas accessible to clients must be well maintained with floor covering in good condition. All public and life safety standards must be met. Stairways, railings, and floor coverings should be in good condition. The number of exits must be sufficient and clearly marked, free of obstacles, with backup lighting in the event of a power outage. Parking areas should be maintained free of snow and ice.