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.