Insure the Joy: Summer Church Event Protection

As summer approaches and church activities ramp up, it’s important to consider the unique risks that come with camps, carnivals, youth groups, and other community events. While these programs are wonderful ways to engage and grow your congregation, they also bring increased exposures. That’s where an Accident Policy can offer valuable protection and peace of mind.

What is an Accident Policy?

An Accident Policy helps cover medical expenses for injuries that occur during church-sponsored or endorsed events. Coverage typically starts at $10,000 per incident, with options up to $1 million depending on the type of policy purchased. Policies can be tailored to each church’s specific needs, offering protection for groups such as:

1. Volunteers at church events

2. Children attending Vacation Bible School or camps

3. Students in daycare or childcare programs

4. Participants at fairs or seasonal gatherings

Why is it Valuable?

Beyond medical payments, an Accident Policy supports your broader insurance and protection strategy. Carriers often offer preferred pricing on liability coverage when accident insurance is in place as it reduces the chances an injured party will take legal action against the church and conference. This helps protect your liability policy, which usually carries much higher limits.

Most importantly, it empowers your church leadership to focus on ministry with confidence, knowing that if something unexpected happens, they’re equipped to respond effectively and in the best interest of the injured party.

How Do You Get Started?

Accident policies are quick and easy to secure. All you need is basic event information (e.g., number of participants and event dates). Costs vary based on coverage, typically ranging from $300 to $1,500. However, most fall under just $750!

We’re happy to answer any questions or advice to any of your churches with Summer Months approaching. Contact us at 484-654-3380 or at UMI@sovinsurance.com.

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This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states.

The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.