Church, Religious Organization and Nonprofit Insurance in Cedar Park, TX, Austin, TX and beyond
Insuring Your House of Worship and Community
Whether large or small, every church needs insurance. It’s hard to imagine a place of worship as anything other as a spiritual, peaceful place for community, but even churches are not immune to accidents, damages or loss. Should disaster strike, a church insurance policy can protect the community physically and emotionally in times of need. We believe all houses of worship should have effective coverage at the best rate.
What types of church insurance are available?
Like other kinds of insurance, there are a variety of options to choose from in regards to church and nonprofit insurance. Most plans include property and liability coverage.
Business Property Insurance
Churches are not immune to burglary, vandalism, theft, or acts of nature. Business property insurance can help protect church property from all types of covered losses. The organization’s property may be insured for its actual cash value or the cost of replacement. It is important that all of the church’s property is covered under its business property insurance policy.
Churches are subject to the same types of lawsuits today as businesses that operate for profit. With general liability coverage, your organization can be protected from third-party claims for bodily injury, property damage, personal injury, and advertising injury. It should cover employees, officials, staff, volunteers, and members. Employee benefits liability insurance can safeguard your church against costly claims by employees. A commercial umbrella policy can provide additional coverage beyond the limits of your general liability and auto liability policies.
Employee Theft Coverage
Theft of cash, securities, or property by employees or volunteers is not unheard of in churches. Employee theft insurance can help protect your religious organization from this type of loss. Some insurers will extend coverage to include theft by volunteers as well as employees.
Errors and Omissions Insurance
Pastors who provide spiritual counseling can be held legally liable for emotional or physical injury to members. To protect them, churches need pastoral counseling insurance, which is a type of errors and omissions insurance. Your organization may also want to consider directors and officers (D&O) and employment practices liability (EPL) insurance to protect against claims of wrongful acts and to protect the church against employees alleging discrimination and other employment practice claims.
Business Auto Insurance
If your church owns vehicles used to conduct church business, furnishes a vehicle to the pastor, or has members that drive their personal vehicles to conduct church business, you will need business auto insurance.
Workers’ Compensation Insurance
Churches that have employees are usually required under state laws to purchase workers’ compensation insurance. Even if its not required, religious organization may want to voluntarily carry it for protection against employee lawsuits.
Find the Policy That Protects Your Community
With over 30 years experience, Tom and the team at Dowd Insurance will carefully review your current insurance policies and your needs before researching the policies and carriers that best meet your expectations and budget. With numerous churches, religious institutions and nonprofit organizations currently insured clients, the Dowd Insurance team uniquely understands the specific insurance needs and requirements of religious organizations and churches. Contact us today
to learn more about coverage options.
Downloadable Resources for Churches, Religious Organizations & Nonprofits
Nonprofit Volunteer Safety Manual
Screening Volunteers for Your Organization Checklist
OSHA Small Business Handbook