Church Office

General Liability

  • Comprehensive General Liability – Limits to $1,000,000 each occurrence/$3,000,000 aggregate
  • Abuse and Molestation coverage available for qualified accounts
  • Employee Benefits Liability
  • Volunteers and church members as additional insureds
  • Coverage for fundraising event
  • Amended definition of bodily injury to include mental anguish

Professional Liability

  • Coverage extends to: Clergy, lay clergy, volunteers, teachers, daycare professionals, various human service,counselors and cemetery professionals
  • Separate limits, separate aggregate and extends to Umbrella policy

Property

  • Blanket limits with large in-house capacity
  • Special Causes of Loss coverage on buildings, contents, loss of income and extra expense
  • Water backup of sewers and drains coverage
  • Sign coverage
  • Stained glass coverage
  • Ordinance or Law coverage
  • Fine arts coverage available
  • Agreed Value endorsement available with assigned statement of values

Umbrella/Excess Liability

  • Limits up to $15,000,000 available

Automobile

  • Non-owned and hired car coverage
  • 15 passenger vans and buses are acceptable exposures
  • Volunteers as insured's coverage available
  • Hired car physical damage
  • Rental reimbursement for private passenger vehicles

Directors and Officers Liability

  • Defense costs in addition to the Limit of Liability
  • Most favorable venue wording for punitive, multiple or exemplary damages
  • Order of payments language with priority placed on indemnifying Individual Insureds first

Crime and Fidelity

  • Money and Securities coverage available
  • Employee Dishonesty
  • Forgery or Alteration coverage available
  • Theft, Disappearance and Destruction coverage available