Church Program Insurance

Business Income and Extra Expense

If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs.

Money and Securities

Cash and checks owned by the worship center are covered up to our limit. During Thanksgiving week, any two weeks of religious observance, and one week of special fundraising activity, coverage is doubled.

Directors and Officers Liability

This optional coverage helps religious and secular leaders accused of a wrongful act. Limits are up to $1,000,000 per occurrence, and $2,000,000 total.

Fine Arts and Statuary

Damage to your statues, furniture, and other works of art is covered up to $50,000.

Headstones and Grave Markers

Memorials on the worship center’s property have a limit of $25,000 per occurrence, with a maximum of $50,000 per year.

Headstones and Grave Markers

Memorials on the worship center’s property have a limit of $25,000 per occurrence, with a maximum of $50,000 per year.

Musical Instruments

If you’re using guitars, microphones, instrument cases, or anything similar to make your joyful noise, it’s covered up to $100,000.

Pastoral Counseling Liability

This optional coverage covers amounts clergy and trained lay counselors have to pay because of negligence, error, or omission. Limits are up to $1,000,000 per occurrence, and $2,000,000 total.

Sexual Misconduct or Sexual Molestation (optional)

This optional coverage applies to paying damages related to actual or alleged sexual activities. Limits are up to $1,000,000 per occurrence, and $3,000,000 total.

Stained Glass Windows and Other Worship Center-Related Property

Bells and organs, stained glass windows, pulpits and altars — they’re all included in coverage of the building.