Houses of Worship

Product Features

• Optional pastoral professional and abuse and molestation coverages each up to $1,000,000
• No liability deductible
• Fundraisers, special events and outreach activities are usually included
• Hired and non-owned auto liability coverage available in most states
• Replacement cost, special cause of loss and theft coverage available
• Property enhancement endorsements and equipment breakdown coverage options

Claims Examples

Property:

A fire destroyed a church sanctuary and administrative offices resulting in smoke and water damage to the structure and contents. In addition to repairing the building and replacing fixtures, furnishings and equipment, the church needed to rent space for worship services until renovations were complete.

Liability:

After a religious service, a congregant walked outside, tripped on the sidewalk and fell down a flight of concrete stairs. Injuries resulted in a concussion and strained ligaments.

Eligible Risks

• All types of religious organizations, faiths and denominations
• Community, start-up, storefront and inner-city locations
• Owned day care, soup kitchen, food bank or thrift store operations
• Property up to $10,000,000 total insured value per location (subject to territory restrictions)
• Liability up to 100,000 square feet per location
• Convent

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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