Religious facilities usually have different insurance requirements than the regular commercial businesses. Church insurance policies completely understand these differences and offer various property and liability insurance covers from which you can choose to opt for the best possible for your requirements.
As there are several different options available, it is easier to personalize a policy that merely comprises of the coverage your institution requires. It is crucial to acquire church insurance quotes so that you be aware of the best policies and their premiums before signing up with them. Insurance options comprise of but are not limited to:
- Liability Insurance Cover
All the church insurance policies include general liability insurance cover. It offers liability protection for the church officials, members, staff, employees, and volunteers. It also protects in case a 3rd party gets injured while performing their duties for the church.
- Employee Practices Liability Cover
This is one other type of cover that works more like a necessity for every church out there. Ensure it covers both full and part-time workers and employees on stipends. If an employee sues the church for discrimination, sexual harassment, or wrongful termination, this policy will cover all the legal costs and damages.
- Law Or Ordinance Insurance
It is an essential policy. If the facility is more than 20 years old, then this cover is more of a necessity. It pays for the costs that help bring the facility to the updated building codes if required.
- Religious Freedom Insurance
This policy helps protect the religious institution from any sort of discrimination suits.
- General Property Coverage
The property cover is basically a part of all the church policies and is helpful in protecting the church property from damages that may occur due to fire, severe weather, vandalism, falling objects, and theft.
- Computer fraud Cover
If your facility has been a victim of computer fraud that has been perpetrated by a non-employee, then this particular insurance cover will help you cover up your losses.
- Inland Marine Cover
This cover protects all the valuable artifacts the church owns during the shipping or transportation in case they are being sent to another museum or church.
In each of the policy listed above, the church general liability insurance cover will help you provide compensation for any related legal charges and court costs. Church insurance cover is highly specialized and offers several options. It is imperative to work with an experienced agent who has expertise in church insurance is the key to fully protecting the religious facility.