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Church Insurance

We will help you protect your most valuable asset - your church! Our specialty church carrier has designed a Church Package Policy for churches that want property and liability protection under one policy including liability coverage for your members, volunteers, pastors and guests. The package combines comprehensive property and liability protection under one simple policy. You select the coverages and options important to you including:

  • Building values (including organ and stained-glass values)
  • Contents or personal property values
  • Liability limits
  • Property loss deductibles
  • Other crime coverages (money & securities, fidelity bond)
  • Other inland marine coverages (Pastor's business property, scheduled equipment, historic items)
  • Additional liability coverages (hired & non-owned auto, directors & officers, sexual misconduct)

Commercial Auto Insurance

Some churches own vehicles used in their daily operation. If those vehicles are titled in the church's name, a commercial auto policy is needed to protect the church from liability concerns while traveling. Commercial auto rates, in part, are affected by:

  • Size and type of the vehicle
  • Operating radius
  • Driver and his/her driving history
  • Coverage limits
  • Physical damage and deductibles

Workers Compensation

State law requires Workers Compensation (WC) coverage for all of your employees. Whether part-time or full-time, employees are covered on the job for work-related injuries and lost time from work. WC rates are affected by:

  • Job classification
  • Total payroll for each job class
  • Experience