There are many types of coverage available and necessary in order for religious organizations to adequately insure the unique risks they face.

• Property– Aside from the obvious need to protect the physical building, religious organizations often have significant amounts of fine art, such as ornamentals, torah scrolls, and stained glass, which may require valuation by appraisal.
• General Liability– Protects the organization from a claim of bodily injury occurring on their property
• Directors and Officers Liability– Protects the organization as well as the board of directors and other decision makers from liability as a result of their actions and decisions. Non-profit board members can be sued personally for such actions, and must make sure the organization has adequate coverage on their behalf. Along with this coverage is EPLI, or Employers Practices Liability. This vital coverage defends against claims such as wrongful termination, harassment, invasion of privacy and other employer related issues.
• Hired and non owned auto– This important coverage protects organizations in the event an employee is involved in an accident in their own vehicle while on company business. If the damages exceed the employees’ insurance limits, a claim could be made against the organization. Hired auto protects in the event the organization does not have their own covered vehicles and rents a car or van.
• Religious Expression– This newer coverage helps protect an organization defend against claims for mental or emotional injury from acts others deem discriminating, such as communications or religious activities. Congregants’ personal beliefs on certain issues may be at odds with their organization’s policies
• Abuse and molestation– Many organizations have day care and/or pre-schools and even K-12. Even accidental and non-intentional actions toward a child can lead to serious claims, resulting in significant legal costs.
• Active shooter or assailant coverage– This specialized coverage helps to manage the fallout from an attack and recover quickly afterwards. Coverage includes the cost of business interruption, physical damage, and medical care and counseling for employees.

Let us help you find the right carriers to protect your church, synagogue or mosque!