Religious Institutions Insurance

Today’s churches and other houses of worship are quite different from any typical commercial organization, and therefore have a unique insurance need. The times when a church only had to worry about a congregation member slipping and falling on the front steps are over, and new causes of action that are evolving daily, need to be addressed.  Congregation growth, community involvement and growth in mission organizations make it even more important to ensure each religious institution is properly protecting their assets. Many religious institutions own substantial amounts of real estate and building property in connection with their operations. These structures often contain incidental property of considerable value. Unfortunately, most property insurance forms contain several peril or value limitations for many of these items, which could lead to severe under-insurance problems. In these situations, one or more endorsements are often needed to ensure that adequate protection is being provided for these items.

Due to the nature of the operations conducted by religious institutions, insurance decision makers should consider expanding the list of specified exposures covered under the personal injury coverage section.  Fortunately, many of our carriers use or are willing to offer a broadened personal injury coverage endorsement that adds additional items. This sort of additional coverage can include the exposures of shock, mental anguish, fright, humiliation, alienation of affection and discrimination based on race, religion, age, sex, national origin or physical handicap. Finally, the definition of personal injury may also be expanded to cover published information besides what is oral or written in nature. Broader wording might include material that is videotaped, televised or digitized (e.g., Internet or e-mail).

Church Insurance - Industries Served

  • Churches

  • Houses of Worship

  • Broadcasters Liability

  • Mother's Day Out/Daycare Operations

Church Insurance - Available Coverages

  • Commercial Property

  • Personal Effects and Property of Others

  • Business Personal Effects of Clergy

  • Ordinance and Law Coverage

  • Outdoor Property

  • Coverage for Stained Glass windows and Altars

  • Fine Arts, Liturgical Vessels, Antique Furniture

  • Religious Artifacts

  • Electronic Data Processing

  • Business Income

    • Extra expense

    • Equipment Breakdown

      • Utility Interruption

      • Power

      • Power lines

      • Communications

      • Liability Enhancements such as:

        • Abuse and Molestation

        • Volunteers and Congregation as Additional Insureds

        • Medical Payments for Volunteers

        • Employee Benefits Liability

        • Counseling

        • Commercial Automobile

          • Hired/ Non-Owned coverage for Volunteers

          • 15 Passenger Vans

          • Pastoral Professional Liability

          • Directors and Officers and Trustees Liability

          • Sexual Misconduct and Molestation Liability

          • International Coverage

            • Kidnap and Ransom

            • International GL – 3rd party

            • Repatriation

            • Workers Compensation

            • Umbrella and Excess

            • Employment Practices Liability

            • Crime

              • 1st Part – Employee Theft

              • 3rd Part – Depository Forgery

Swingle, Collins & Associates specializes in church insurance coverage. The descriptions of coverages listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for church, mothers day out and daycare, or house of worship insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.

The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.