Your church is far more than just a place of worship. Churches provide safe and comfortable environments for communities and congregations. Many rely on their church to provide support, stability and security during difficult times. With that responsibility in mind, it’s critical for your organization to ensure safe and reliable conditions. Acquiring the right insurance coverage is an important step.
What Is Church Insurance?
The insurance needs of churches are often significant. Church insurance policies can include coverage for the following:
- Property—In the event your property, including structures, furniture, fencing and signage, suffer physical damage, this coverage can help recoup resulting expenses.
- Liability—This coverage protects your church and organization from lawsuits arising from alleged property damage or bodily injury occurring on your property or at an event you sponsored.
- Interruption—If a covered event forces your church to relocate and congregate at a temporary location, this coverage can help pay your costs.
- Directors and officers—If a senior member of your church—such as a director, officer, trustee or clergy member—makes a poor decision or becomes the target of a lawsuit, this coverage may provide protection.
Depending on your church’s specific circumstances, it may be wise to consider additional coverages. For example, flood coverage may be necessary depending on weather patterns or the landscape of your location.
Get the Right Coverage
For many communities, churches are an epicenter and a pillar of stability. Having the right insurance portfolio is vital for being dependable and maintaining safety. Our agency is well-equipped to find the right coverage to suit your church’s needs. Contact Lumenasa today to get started.