Updated: Aug 12, 2021
Your church isn’t like a business or other non-profits; it’s unique. It operates uniquely and has unique needs that should be reflected in your insurance coverage. Here are three unique insurance considerations for your church.
1: Errors and Omissions
Many parishioners come to your staff looking for spiritual counseling, guidance, and advice. Providing this type of support leaves your organization vulnerable to potential liability for physical or emotional injury to congregation members who feel negatively impacted by their guidance. Errors and Omissions Insurance can help protect your ministry by covering court costs and settlements associated with claims of negligence arising out of spiritual counseling, guidance, and advice.
2: Active Threat
Churches are particularly vulnerable to armed intruders and active threat situations due to their open and welcoming nature. Unfortunately, the rising prevalence of these types of situations has increased the demand for coverage designed to help protect religious institutions from the financial ruin that can happen after one of these situations.
Active threat policies can cover expenses that are typically excluded from general liability coverage, such as legal liability, organization interruption coverage, physical damage coverage, and medical expenses, as well as costs for cleanup and recovery.
3: Sexual Misconduct
It is unfortunate to consider this for ministries, but sexual abuse is one of the top reasons churches go to court, and sexual abuse and molestation coverage can help mitigate the cost of defending a sexual misconduct claim. Sexual misconduct liability is a type of coverage that addresses the risks associated with physical or emotional injury resulting from sexual abuse, molestation, or exploitation. These types of claims can cost hundreds of thousands of dollars and potentially result in bankruptcy for those without adequate coverage. It is also recommended that your ministry implement policies and procedures to help limit the opportunities for misconduct and maintain/develop a comprehensive response plan.
Making sure your ministry and its resources are properly covered can be easier with the right support. Our exclusive agents at Suracy Faith can help you secure adequate coverage solutions with a free quote today. Contact our team by phone at 866-203-0777.