An allegation of injury, property damage, or misconduct – even if it’s found to be false – can devastate a religious organization. Church insurance policies cover legal costs, medical bills, and more.
These policies provide coverage for the most common risks churches face.
General liability insurance covers basic risks, such as a member slipping while getting up from a pew. Bundle with property insurance for savings in a business owner’s policy.
A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of commercial insurance for a religious organization.
This policy is also called errors and omissions insurance (E&O). It can cover expenses if your church is sued for negligence, such as failure to recognize suicidal ideation.
D&O protects board members and officers from legal expenses if they are sued for a decision made on behalf of a church that led to financial loss.
Workers’ compensation insurance is required in almost every state for religious organizations that have employees. It can cover medical costs for work-related injuries.
If an employee sues a church over harassment, discrimination, wrongful termination, or another violation of employee rights, EPLI can pay for legal costs.
From claims of misconduct to church property disputes, religious organizations are not immune to lawsuits. Church insurance lets you continue your worship services and programs despite medical bills from an accident, legal fees from a lawsuit, or other unexpected costs.