Church Non-Profit Insurance
Religous organizations have many insurance needs. We work to provide you options for covering not only your General liability and property needs, but also for the liability for decisions your board makes. Additionally we provide options to include the fundraising events you may have throughout the year.
Church Non-Profit Insurance Overview
General Liability Features:
- General Liability
- Property coverage
- Directors and Officers Liability with optional Employment Practices Liability
Property Coverage Features:
- Pastoral Professional Coverage (up to 1M limits)
- Abuse & Molestation sublimit at no additional cost
- Personal and Advertising coverage
- Hired and Non-Owned Auto Liability coverage available
- No Assault and Battery exclusion
- No Designation Premises endorsement
- No General Liability Deductible
Directors and Officers with Employment Practices Liability Features:
- Value Plus Endorsement � 14 valuable coverage enhancements including;
$25,000-fine arts, $10,000-signs, $10,000-transit, $5,000-money & securities,
$5,000-employee dishonesty, and more
- Special Cause of Loss form
- Optional Equipment Breakdown - includes free boiler inspection if required in your jurisdiction
- Separate Limits of Liability
- Unlimited Defense Costs outside the limit
- Full Prior Acts coverage
- Lifetime Occurrence Reporting Provision for former Directors and Officers
- Free Human Resources Hotline with unlimited number of calls and no time limits (when Employment Practices Liability is purchased)
- Automatically includes 3rd party Discrimination and Harassment
Church Non-Profit Insurance Claims Examples
Non-Profit Directors and Officers Claims Examples:
General Liability Claims Examples:
- A church elder breached his duty of loyalty by organizing a majority of the congregation
into a separate church that ousted the remaining congregation from church property. The elder held secret
meetings among his supporting faction and prepared legal documents to transfer the property, all without informing the
church�s pastor of his plans. The court ruled that the elder owed a duty to the whole congregation, and could not favor
the interests of the majority over the minority. As a result, the property was returned to the original congregation and
money damages were assessed personally against the elder.
- With its membership growing rapidly, a church�s board of directors appointed a New Building Committee to find land for a larger church. The board selected one of its members to head the committee. That director steadily pressed the committee to approve purchase of a land parcel viewed by the other committee members as pricey, but otherwise perfect. After much discussion, the committee approved the purchase, and the transaction was completed. It was then discovered that the committee head had a financial interest in the property. Several congregants took action and named the committee head and the overall board in a lawsuit alleging improper self-dealing, negligence and fraudulent
Employment Practices liabilty Claims Examples:
- After the religious service, a congregant tripped on a crack in the concrete and tumbled down an
outdoor flight of stairs, resulting in a concussion
- A volunteer was decorating the church for a social gathering. While she was standing on a chair to arrange the decorations, she lost her balance and fell resulting in severe arm injuries.
Professional liabilty Claims Examples:
- The Director of Children�s Ministries was terminated and replaced. Her successor was
a younger Caucasian male, whom she believed was being paid more than she was. She files suit with the EEOC
against the Ministries, alleging racial discrimination, age discrimination, sex discrimination, and pay discrimination.
Abuse & Molestation Claims Examples:
- The insured is a Family and Crisis Counseling operation. A family was directed by the court to
seek family counseling at this facility. There was an abusive father in the family. The mother was trying to get a
restraining order regarding child visitation rights for the father as a result of past mistreatment. The counselor at the facility was asked to made a recommendation. The counselor disagreed with the mother�s opinion and recommended to the
court that the father be allowed to continue unsupervised visitation. The father physically abused one of the children
causing bodily injury. The mother sued the facility based on counselor�s recommendation.
Property Claims Examples:
- A Sunday School Teacher was accused of sexually molesting a teenager after a bible study
session. The teacher quickly denied the charges but was forced to step aside pending a church investigation. After a
thorough inquiry, the alleged victim's credibility crumbled when it was reported that she had a long history of inventing
stories about herself and others. Moreover, parents and students who knew the teacher offered evidence that raised
serious doubts that the molestations could have occurred. After an exhausting investigation, the teacher was eventually
reinstated to his duties. The cost alone of defending allegation with no merit was costly.
Pastoral Professional Claims Examples:
- A fire destroyed a church sanctuary, and resulted in smoke and water damage to the structure and contents of the administrative office. In addition to replacing fixtures, furnishings, equipment and inventory, the church needed to rent space for worship services until the sanctuary was rebuilt.
- The wife of a married couple sought counseling services from their pastor due to being physically
abused in the household. The victim was contemplating divorce and sought advice. The pastor encouraged the wife
to stay with her husband due to the sanctity of marriage in God�s eyes and to seek couples counseling. As a result, the
wife went back to the abusive relationship and was later hospitalized with severe injuries from her husband. She then
sued the church and pastor stating that as a result of the counseling advice she stayed in the unhealthy marriage
which lead to her injuries.
Contact us now for a free quote!