CHURCH AND RELIGIOUS INSTITUTIONS INSURANCE
The importance of religious insurance is often not understood by the leading religious organizations despite the fact that some US states have mandatory insurance requirements imposed on religious institutions.
You need Church Insurance because many things could go wrong in a church. Property and equipment breakdown or damage, crime, general church liability insurance coverage, abuse and molestation, automobile damage and natural disasters are just some examples. a religious institution can’t function without the religious insurance because the risks associated with are too many.
When you also consider the fact that church typically lead with 100s of believers on a daily basis, you can imagine the risks associated with the functions of a religious institute.
WHY STREETSMART INSURANCE AGENCY IS THE BEST PLACE TO BUY YOUR CHRISTIAN CHURCH INSURANCE?
Although church building insurance is sold by almost every insurance company in the US today, we take pride in our experience with church insurance coverage. we can make sure that our church insurance policies are not for merely covering the basic damages. StreetSmart Insurance Agency believes in church insurance coverage that offers complete protection for the religious institution.
One of the specialties of our Christian church insurance is the fine arts coverage for religious artefacts. This is found especially useful with Catholic Church insurance but our clients are not limited to the Catholic Church. If your religious institution has a lot of artefacts to protect, we can add special coverage to our existing range of programs.
MOST RELIGIOUS INSTITUTIONS LIKE TO WORK WITH STREETSMART INSURANCE AGENCY FOR THEIR CHURCH BUILDING INSURANCE BECAUSE:
- The broad definition of building coverage in Christian church insurance and religious insurance is usually vague. The coverage terms for each and everything from the actual building to the artefacts should be clearly established in the program or else you are running the risk of being underinsured or improperly insured.
- Professional liability coverage of our church insurance plans are carefully chosen to cover every individual associated with the church. Pastors, teachers, volunteers and professional staff are adequately covered in our programs.
- StreetSmart Insurance Agency is flexible and understanding. We are here to sell you the right church liability insurance that suits your requirements. Our church insurance coverage programs can be customized to meet your individual requirements.
WHAT ARE COVERED IN A RELIGIOUS INSURANCE?
Property Coverage – As a religious institution, you need to protect the House of God under any circumstances and cannot let it get damaged whatsoever. You need to make sure that all the main worship building along with additional buildings used for religious purposes does not get interrupted due to any damages. Since there is a lot of effort, time and money invested in these buildings, you need to make sure that they are in perfect condition every time. This is why property coverage is the best way to make sure that your church insurance can benefit you to its maximum.
For instance, a slight fading of the paint, or an extension is damaged due to a storm or other natural disasters, it might be quite expensive to replace it. However, if you have church liability insurance or property insurance, you do not have to worry at all because it would be taken care by the insurance agency.
Automobile Coverage – A religious institution where sermons keep on happening throughout the day and people coming in every now and then, you have to expect a lot of people parking their cars every time. However, you do not want anything to happen to your people’s car, because if something happens you would be held responsible for it. An automobile coverage is the best way that you can protect your people’s car and help them to concentrate more on the sermon inside rather than their car parked outside which might be at the risk of theft or vandalism.
The church being a huge institution does not have time for the petty damages that happen to the car of the people that enter the premises. For instance, a person might have come to the church and parked his car in the parking lot. When the sermon is over, he discovers that this car is missing and has been subjected to theft. If he files a lawsuit against the church, it’s not possible for the Church to respond immediately or take up the financial commitment. This undeniably brings us to the point that a church insurance that gives a good automobile coverage can take care of such kind of issues.
Staff and Crime –As a religious institution you have to keep a lot of staff for its daily operations, and you can never guarantee the behavior and character of each person. A staff and crime insurance under the church insurance coverage policy helps you to not worry about any financial commitments that come along due to the misbehavior or mishandling by your staff. Also, if your staffs encounter an injury, you do not have to worry, since the insurance policy will take care of their medical expenses. The Christian church insurance also covers up for any crime committed inside the premises and will replace any costly items or reimburse the loss of money.
Umbrella Coverage –As a religious institution, that is a lot of operational activities going on with people coming in day and night. You would never be able to guarantee that everything will run perfectly without any issues at all, because chances are that something will go wrong and you would be held responsible. A religious institution holds a certain value in the society, and if something happens, making the church liable for the same can be a controversial subject.
Picking up an appropriate insurance coverage will always save you from any unexpected accidents that may happen and will protect the church from any financial commitment. For instance, although the church might have a complete church liability insurance that covers the premises, it will not cover up for a customer’s car crashing in your property and injuring your neighbor. So, umbrella coverage is something that you can be completely sure that almost everything is kept under control and the church will not be liable for anything whatsoever.