Your church’s day-to-day activities should be covered by your church’s insurance policy, but what about special events like weddings, private parties, etc.? Do you need special coverage for that? We’ll explain some of the things to consider if your church hosts special events.
If the events your church is planning go beyond the scope of normal church functions, it may be necessary for you to obtain special event insurance. This type of insurance acts as its own policy to help protect your church against risks associated with a specific event. If you’re unsure if your church’s insurance policy covers special events, be sure to:
Check your coverage
Speak with your insurance agent to check to see what your current insurance covers. Find out if there are any limitations to the policy before hosting a special event to make sure you’re not putting your church at risk.
Additionally, Remember to Prioritize Safety
Safety is always a priority, but special events may come with special circumstances. Larger groups of people, special equipment, and a busy schedule can all increase the risk of accidents. Make sure you’re expanding your safety protocols to handle the complexity of a special event. Special events can be an enjoyable way for congregants and your community to come together but be sure to have appropriate coverage in place to help keep your people, property, and ministry safe.
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.