Religious organizations are engrained in the American experience. They bring people together, nourish the soul, and provide important services to the community, from grief counseling to a hot meal on a cold day.
The diversity of our nation offers an unlimited number of faith options. According to Census data, the major religious affiliations in the United States include the following types of organizations:
- Church of Christ
- Non-denominational / Protestant
Unfortunately, churches and other religious buildings are just as open to risk – perhaps even more so in some cases – than any other building.
Risks Faced by Religious Organizations
From graffiti to broken windows, religious property is subject to vandalism and theft. Natural events such as thunderstorms, hail, and tornadoes can cause extensive damage to buildings. A church picnic could turn into a liability due to food spoilage.
Churches are open to risk from these circumstances and more, including:
- Slip and fall accidents on the premises
- Church vehicle accidents
- A lawsuit from someone who feels that they received improper advice
- Accusations of abuse or discrimination
- Worker compensation claims
When was the last time your church evaluated its potential risks? Has your insurance agent called recently to discuss your coverage?
One of the most important insurance policies for a religious organization to purchase is coverage for the church building and property. This coverage prevents vandalism, theft, fire, storm damage, or other issues from financially destroying the church. Property protection makes it easier to rebuild after a disaster.
You’ll also want to ensure that your policy includes general liability to reduce the impact of injury claims. For example, if a congregation member breaks an arm during a church event, general liability will help cover the medical costs associated with the injury.
Other Coverage to Consider
Many religious organizations offer outings for members. If your organization owns a bus or van that is used to transport members, you need to have good commercial auto liability coverage to protect your members, drivers, and vehicles while on the road.
You may also want to consider professional liability coverage. Since your church provides services, you are vulnerable to potential claims from those you serve. Professional liability coverage protects your organization.
Insurance for Indiana Churches
The independent insurance agents at Kincaid are trained to understand the risks associated with church buildings and operations. Not sure your current policies are providing the right protection? Need something that better fits your budget? Kincaid is here to help. Call us today at 1-877-888-5506.Request a Free Quote