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To keep your Atlanta, Ga. church safe, you need to be sure it has the right type of insurance based on the individual needs of the church. Here is an overview of the basics of church insurance in Georgia:
Property Insurance. This kind of insurance is for the church buildings themselves. If the church was damaged or destroyed, property insurance would pay to restore or rebuild the facility.
Consider whether you'd need replacement value insurance, which would pay to replace the building and make it like it was before it was damaged as destroyed, or actual cash value insurance, which gives only the current cash value for the property.
The age of the building, the current market value, and the desire to replace the buildings will determine which type of insurance is right for your church.
Business Income Insurance. If your church has an income source, like a day care, school, or bookstore, adding business income insurance will protect the church from lost income. This kind of insurance often falls under property insurance, so talk to your agent if this rider applies to you. It is especially important to have if your church depends on the income to pay its bills.
Liability Insurance. There are many kinds of liability insurance for your Atlanta, GA church. Consider adding the following kinds of liability insurance to your policy: general, employment, emotional, personal and advertising, and directors and officers liability.
These different kinds of liability insurance protect the church from lawsuits from employees or patrons, slander, defamation of character, sexual harassment, and wrongful termination.
Bond Insurance. While no church wants to think about it, in these tough days, bond insurance is essential. This type of coverage will protect the church from fraud or embezzlement from employees. Even theft by church volunteers is covered by bond insurance.
Worker's Compensation Insurance. If your church has any employees, you will be required by law to carry worker's compensation insurance. In Georgia, church volunteers aren't covered by this insurance.
Depending on the size of the church, the pastor may or may not be covered—he may be considered more of an independent contractor. Ask your insurance broker if your church needs to cover the pastor with worker's compensation insurance.
Automobile Insurance. One of the most important types of automobile insurance for a church to have is hired and non-owned business auto insurance. It covers injuries and property damage caused by vehicles that are either rented by the church or that are not owned by the church but are being used for church business.
For example, if a member of the church is driving through a neighborhood to deliver meals from the church's soup kitchen and hits a mailbox, the church's policy would cover the damages to the property.
Learn more about the best church insurance coverage in Atlanta, Georgia by calling Pachuta Insurance today!
Call Now: 706-769-2262