Every state has its own unique risks…
- Florida is well known for hurricanes.
- In Hawaii, volcanoes are king.
- Oklahoma is in the middle of tornado alley.
- Texas has hail (not to mention tornados & hurricanes).
As we were reminded a couple of weeks ago, California is home to earthquakes.
Remember, your primary church insurance policy probably doesn’t have earthquake coverage. If earthquake protection is available to your church, it’s something that your board wants to at least consider every few years. Fill out the form on the right and we’ll see what’s available for your church.
Property coverage includes such items as your buildings, contents, signs, property in the open, and fences. Your policy will automatically include coverage for standard items, along with many non-standard items, such as the following:
- Ordinance or law
- Stained glass windows
- Newly acquired, personal and off-premise property
- Pastor’s personal property
- Equipment breakdown, including computers, boilers, and electrical equipment
Protects the church from liability arising out of normal business operations including: bodily injury, property damage, personal injury, libel, slander, contractual liability, copyright infringement and medical payments.
Automobile & Bus
Provides Liability, Comprehensive, Collision, and Medical coverage for all designated church owned vehicles.
Legal defense and liability protection for covered damages resulting from the use of borrowed or short-term rented automobiles and when vehicles owned and driven by church employees are used on the job or on behalf of church.
This policy fits over and extends your comprehensive general liability, comprehensive automobile liability, and employers liability to the limit indicated. The umbrella is broader than the basic policy, excess of the basic policy.