Insurance Coverage for Churches

Churches and their clergy are often seen as leaders and beacons of hope in their communities. However, even the best intentions cannot completely eliminate the risk of accidents and other incidents that may adversely impact a church’s financial standing. Even the most devout and devoted institutions must prioritize acquiring and maintaining suitable insurance coverage.

What Types of Insurance Do Churches Need?

While some insurance carriers may offer specific insurance packages that may address several of a church’s needs, such as those tailored toward nonprofit organizations, each institution may need to assemble its own coverage portfolio. Exact insurance needs can vary even among seemingly similar churches, but many may find value in the following types of policies:

• Directors and officers liability insurance can offer financial protection for churches and their leaders should they face accusations of wrongdoing or errors made amid their official duties.
• Property insurance may help pay to repair or replace the church’s physical assets, including its buildings, furniture and other belongings.
• General liability insurance may offset third-party losses for which a church is responsible, such as if a guest is injured while on the premises.
• Workers’ compensation insurance can establish critical financial protection for a church’s staff and employees, potentially rendering aid if they’re injured or become ill while conducting their duties.
• Commercial auto insurance may be required if a church owns buses, vans or other motor vehicles used in official functions.
• Special events insurance is often needed by churches, as they may host various community events and require accompanying coverage.
• Umbrella liability insurance can provide additional coverage should the limits of other liability policies be exhausted.

We’re Here to Help

Contact Leicht Insurance in Logansport, IN, today to learn more about insurance for churches or to compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.