Religious Institutions Insurance

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 adequate protection.

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, including 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).

Industries Served:

  • Churches

  • Houses of Worship

  • Broadcasters Liability

  • Mother's Day Out/Daycare Operations

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