Due to the nature of churches, you have a variety of situations that can arise to cause mayhem with your congregation. The most damaging situations would be best handled with adequate church insurance. Unlike other types of organizations, churches have been used for emotional support, daycare, youth groups and church community services. What are some of the essentials that you should add to your policy?
To start, you would want general liability coverage. Even though churches are non-profit and wholesome, it does not mean that they could not end up on the receiving end of an expensive lawsuit. It could be anything from a small injury to something that leads to an ongoing legal battle, and good general liability coverage will come to your defense.
Second, you will want to look at the various coverage based on your needs and the church size. Do you have a team of staff that is on the payroll? If so, you may want to look at workers' compensation coverage that protects you if an injury or accident occurs, or you could have to pay workers' compensation out of pocket. Another coverage that you may want to offer would be hired and non-owned auto insurance. This has been reserved for vehicles that you rent, but if an accident occurs, it could help you to pay for the car repairs, legal costs, medical bills and replacement.
Unsure of which policy will cover your church? Speak with your church insurance agent to paint a clearer picture for your circumstances. Every church will have different needs. You should talk to them about all the activities that your church participates in. For example, AA meetings, preschools and fitness classes could all come with different sorts of vulnerabilities. You have to look at what you will need on an individual level to stay protected.
Call Pachuta Insurance Today @ 706-769-2262
Welcome to our blog! We hope you enjoy it.