Replacement cost on the building, additions, permanently installed sound equipment, outdoor fixtures, monuments, signs, yard fixtures, storm doors, windows (including stained glass), and organs permanently installed as building items, business personal property, including air conditioning, wall coverings, and appliances for refrigeration, cooking, dishwashing and laundering. Ask about our supplemental property coverages.
We provide coverage for bodily injury and property damage on premises (including parsonages) you own or rent, adjacent to premises you own or rent. We extend medical payments to your volunteers in non-owned or hired automobiles when coverage shown on your declarations page. We include coverage for products/completed works; personal and advertising injury: and fire legal liability. We extend incidental medical malpractice and property damage liability coverage regardless of legal liability. We will pay for loss of earnings away from work at our request.
Optional Liability Coverages
Directors & Officers, Sexual Misconduct, Pastoral counseling, Daycare liability, Non-Owned & Hired automobile liability, Liability for your private school (K-12), Liability for youth camps and/or recreational activities, Other business activities not related to your religious activities, Cemetery liability, Employee benefits liability, Employers' liability, Employment Practices liability
We offer coverage for the wide variety of transportation needs of churches. Protections is provided for Church vans up to 15 passengers, Buses, Cargo Trailers and private passenger cars.
*It is important to know that liability for vehicles doesn't end with the vehicles the church owns. The church can also be held liable for the conduct of drivers using their personal vehicles while on church business. We offer protection for this exposure through coverage called Non-Owned & Hired Automobile Liability, which also applies to vehicles the church may rent as well.
Commercial Excess Liability (Commercial Umbrella)
Excess liability coverage is available through a commercial umbrella policy in incremental limits of $1 million.