Category Archives: Insurance

Umbrella Liability Insurance

Umbrella liability insurance is additional insurance coverage that rests on top of primary commercial general liability, automobile insurance and workers compensation insurance. Make sure the Umbrella provides additional coverage on the existing Sexual Misconduct and Professional Liability policies as well.
Cost – Can be purchased in increments of $1,000,000. We recommend that you consider Umbrella Liability [...]

Workers Compensation

Workers’ Compensation compensates workers for losses caused by work-related injuries. It also limits the potential liability of the organization for injury to the employee related to his or her job. Each state requires Worker’s Compensation at certain employment thresholds (usually three or more employees). States do not distinguish between part-time or full-time employees.
Cost – Based [...]

Automobile Insurance

Automobile insurance generally falls into two categories:

Owned Automobiles
Non-Owned Automobiles

Owned Automobiles
Coverage – Protects church owned automobiles against third party claims. We recommend $1,000,000 per incident.
Cost – $1,000 per vehicle.
Non-Owned Automobiles
Coverage – Provides automobile protection to employee’s automobiles during Church activities and can also include coverage for rented / leased vehicles.
Cost – $250 annually.

Liability Insurance

When discussing liability insurance, be sure to review these five categories:

General Liability
Employment Practices Liability
Ministers / Lay Counselors Errors & Omissions
Sexual Misconduct
Directors’ & Officers’ Liability

General Liability
Coverage – Insures your church and its operations against third party bodily injury and/or property damage. Please notify your Insurance Agent before going on Mission trips to make sure you are [...]

Property Insurance

When reviewing property insurance, be sure to discuss these five categories:

Contents
Computer Software and Equipment
Inland Marine
Improvements and Betterments
Building Coverage

Contents
Coverage – Insures office furniture, machinery and computer equipment.
Cost – $20,000 in contents is approximately $250 annually.
Computer Software and Equipment
Coverage – Additional content coverage that specifies computers / software against additional perils not covered by a typical contents [...]