3 Special Business Insurance Considerations for Churches

Protecting your church with Business Insurance is essential to a thriving ministry. Without proper coverage, you could find that your religious institution becomes a target of lawsuits or claims of negligence. Following are three important considerations to take into account when purchasing insurance for your church.

1. Child Care

Many churches provide a day care for members who want to enjoy services and other events without having to worry about their kids having meltdowns in the pews. Church also frequently offer Sunday school, vacation Bible school, youth group programs, and other services that directly involve taking responsibility for children.

When purchasing Business Insurance for your church, make sure you have adequate coverage for the children under your care. You might need a special policy to cover day or overnight camps, or any other programs outside your normal church operations.

2. Cemeteries

If your church has a cemetery on the property, you need insurance to cover that space against damage, vandalism, and other potential perils. Since all churches do not have cemeteries on their properties, it might not be covered under your standard policy.

Talk to your insurance agent about covering cemeteries, satellite campuses, and other properties that are separate from your main church. You might also need separate riders for perils like floods that are specific to your geographical area.

3. Volunteers

Churches survive because their members take active roles in creating programs, serving the community, and taking care of administrative tasks. When purchasing business insurance for your church, make sure your volunteers are covered as well as full- and part-time staff.

This is particularly important when it comes to physical activities, such as service projects or construction work. If your policy does not specifically cover volunteers, you might face significant financial damages should a volunteer become injured while working with your organization.

If you are not sure exactly what types of insurance coverage your church needs, speak with an insurance broker or agent about your concerns. Prepare a list of assets and personnel so he or she knows how best to advise you. Certain assets are easily overlooked, such as church vans that transport members to projects or events. Working with a professional team will ensure there are no gaps in your church’s coverage. Get in touch with us for more INFO!

 

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