Your congregation has a substantial investment in your church. It’s not only a place of worship, but a community gathering place for activities of all kinds. If church property is damaged or destroyed you’ll want to replace it.
If someone is injured on church property or while working for the church you’ll want to be able to meet your financial responsibility to them.
413 Insurance Services can provide the protection your congregation needs for sound and flexible insurance coverage for church liability and property exposures.
- Property – Building and/or Personal Property
- Replacement cost on buildings and contents
- Valuable papers and records
- Agreed value
- Furniture fixtures, improvements and betterments, inventory
- Building Ordinance and Law
- Comprehensive Mechanical Breakdown Coverage
- Wind and Hail Coverage, separate deductible may apply
- Flood Coverage Available
- Inland Marine Coverage
- Stained glass
- Property in transit
- Property at other locations
- Backup of sewers and drains
- Pastor’s Business Personal Property
- Comprehensive General Liability – $1 million occurrence/$2 million aggregate, Up to 3M available
- Bodily injury and broad form property damage
- Premises and operations
- Abuse and Molestation Coverage
- Fire legal liability
- Corporal punishment
- Additional insureds, officers, trustees, volunteers
- Hired and Non-Owned Auto Liability
- Personal injury
- Blanket contractual
- Broadened medical payments
- Crime
- Burglary, robbery or theft
- Broad form money coverage inside and outside premises
- Forgery, counterfeit monies
- Employee dishonesty
Coverages Include:
- Directors and Officers Liability
- Pastoral Professional Liability
- Employee Benefits Liability
- Schedule fine arts
- Electronic data processing equipment
- Personal properties of others
Hired & Non Owned Automobile Coverages – Available
Workers Compensation – Available
Umbrella Liability – Available
Employment Practices Liability Insurance (EPLI) – Available
Special Event Coverage
Note: We offer several different package programs for churches, Christian schools, child care centers, and adult congregate living facilities. Each program is different, so please refer to your policy for specific coverage details.