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
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
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
Broad form money coverage inside and outside premises
Forgery, counterfeit monies
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.