Church Insurance
Church Insurance Information
Places of worship play critical roles in every community and open their doors to people on a daily basis. Yet, they are not for-profit businesses. It is critical that they protect their property and financial assets in the best way possible. There are various insurance options to provide the coverage and help that they desire.
Churches can trust Anthony Mercado Agency with all their insurance needs. We assist leaders of congregations of various sizes in selecting polices that best fit them. When you choose our team, we’ll strive to ensure you always pay the best price for your coverage.
Common Church Insurance Questions:
Issues can arise at places of worship at any time. These issues may include lawsuits, property damage, loss of possessions or other serious events. Any of these occurrences could be incredibly costly, and due to your church’s finances often being limited, this coverage can be crucial in covering the costs of these incidents and not be setback by them.
What Type of Insurance Does a Church Need?
Churches are similar to any other business, which is why their insurance policies may look similar to that of an average business insurance plan. However, your benefits can include several more specific plans that are personalized for unique liabilities you may face. Important coverage you may need includes:
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Property & Contents Insurance: If something damages physical property like your church building or possessions, then this coverage can help you repair or replace them.
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General Liability Insurance: Covers the church in case its actions or negligence cause property damage or bodily injuries to other parties, like parishioners.
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Commercial Auto Insurance: When the church owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help it afford the costs of wrecks or other hazards.
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Workers’ Compensation Insurance: If an employee gets hurt on the job, then they are often eligible for workers’ comp. It will provide them supplementary income during their recovery.
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Counselors Protection (Professional Liability) Insurance: Church leaders will consistently provide advice and guidance. You can’t guarantee that something bad won’t occur, no matter how well-intentioned your actions. If it does, then this coverage can help your church compensate the affected person.
You may also want to include other benefits, such as:
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Umbrella Liability Insurance
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Cyber Liability Insurance
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Mass Casualty/Shooting Insurance
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Cyber Liability Insurance
You may also want to consider offering your employees group health, life and other wellness benefits. Our team will assist you and figuring out which of these plans work best for you and your employees.
How Much Does Church Insurance Cost?
There are various factors that impact a congregation’s church insurance premiums. Yet, we completely understand that our clients are seeking plans that are customized for them to get have the best benefits possible, at an affordable price. With this in mind, our team will search our network of carrier partners to assist you in selecting the best package for your organization’s needs.
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