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: Employee theft coverage will protect a church against theft of money, securities, and other property by church employees. Some insurers will extend the definition of employee to include volunteers. Many churches use computers to purchase supplies, maintain accounts, and communicate with parishioners. Most standard property policies afford inadequate coverage for computers and data so churches should consider buying electronic data processing coverage . Liability Insurance
At one time, religious organizations were immune from tort liability. This is no longer the case as courts have eliminated most church immunity. Nowadays, churches are subject to the same types of lawsuits that affect for-profit businesses. General Liability Coverage
General liability insurance protects a church against claims by third parties for bodily injury, property damage, and personal and advertising injury. The policy should cover church employees, volunteers, officials, staff, and members as insureds. Churches are vulnerable to claims alleging sexual abuse of adults and children.