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教堂的保险

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99hg皇冠登录有限公司承保的教堂保险.

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教堂, 会堂, 清真寺, and temples are so much more than places of worship—they’re also community centers, 雇主, 通常, 房屋. We offer customized insurance options that fit all of these unique needs.

为礼拜场所投保时的安心.

为教堂投保时, 你要把它想象成一座建筑, 同时也是一个社区中心, 雇主, 在某些情况下, 宗教领袖的家. That’s why specialized church insurance is your best route to financial peace of mind.

教会保险包括什么?

例如, a good church insurance policy doesn’t just take care of the obvious costs such as property damage from theft, 破坏公物, 或者自然灾害, 还有意想不到的相关成本. This could include having to update the building to comply with local ordinances when carrying out repairs after an incident.

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教堂
彩色玻璃保险
风险因素

彩色玻璃往往是非常宝贵的,有时是无价的. Several hundreds of thousands of dollars might be needed to refurbish the stained glass. If it’s damaged by 破坏公物, hail, fire, or other means, it can be very costly to fix. 找到一个合格的承包商也可能是一个挑战.

解决方案

这取决于你的保险范围, 对你的彩色玻璃损坏情况进行评估是免费的. 除了, consider including the value of the stained glass in the building limit of the church, 也包括在教会的整体限制下的保险. Some insurance companies may treat stained glass as part of a fine arts floater. Either way, this helps ensure the proper coverage in the event that something bad happens.

虐待和骚扰保险
风险因素

There are hundreds of reports each year of people being sexually abused by clergy, 教会员工, 志愿者, 以及教众. 还有无数人被虐待,却没有任何报告.

解决方案

Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. 除了, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.

非自有汽车保险
风险因素

教堂 志愿者 and employees often use personal vehicles to do work for the church.

解决方案

Make sure to add hired and non-owned auto coverage to the church’s insurance policy to cover this exposure. Also, check the motor vehicle records for anyone who drives other members…especially kids.

宗教自由保险
风险因素

教堂 sometimes have very closely held beliefs that may open them up to potential lawsuits in the event the church’s beliefs cause someone else to feel wronged. An example might be a church refusing to perform a same-sex marriage, which results in a lawsuit.

解决方案

考虑增加宗教自由报道. This insurance can protect the church in the event it is sued because of closely-held beliefs core to the church.

董事及高级管理人员责任保险(D&O)
风险因素

Almost all churches have some form of board of directors that makes financial and operational decisions on behalf of the congregation. An organization once sued a church for improperly using their trademarked property while promoting a fundraising event. 总损失和辩护费用共计40万美元.

解决方案

Directors and officers liability insurance protects the decision-makers of the church from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the church’s D&O政策. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.

教堂的屋顶
风险因素

屋顶索赔是教堂面临的最常见的索赔. Each year, billions of dollars of damage are typically paid as a result of storm damage.

解决方案

Ensure you have the proper coverage and confirm that you are insured to full replacement value. 除了, make sure your insurance policy includes replacement cost coverage for roof claims for wind and hail.

教堂的安全
风险因素

Security in churches is becoming a larger issue as attacks have increased in recent years.

解决方案

每个教堂都应该有安保计划. This plan should detail where parishioners go in the event of an emergency, 礼拜期间,哪些入口是开放的, 谁应该与当局联系, 如何发现可能构成安全风险的人, 以及如何应对那些试图伤害教区居民的人.

职业责任保险
风险因素

Religious Leaders often find themselves giving counseling to couples or other church members. 除了, religious leaders could be at risk of a lawsuit for what they say in the pulpit.

解决方案

当涉及到咨询时, religious leaders should have clear guidelines on what is acceptable in a counseling situation. 除了, religious leaders should be trained to know what needs to be reported to the authorities in the event of an extreme situation. Adding professional liability coverage to your church’s insurance policy can help protect the religious leader and church from claims or lawsuits arising from what the religious leader says at the pulpit or when teaching or preaching.

礼拜场所最常见的覆盖选择.

Houses of worship are unique in the type of insurance they require for the risks they face. 确保你的礼拜场所有适当的遮盖是很重要的, and here are a few of the specialty coverages that can be added to a church policy:

  • 宗教自由保险
  • 董事及高级职员保险
  • 虐待和骚扰保险
  • 彩色玻璃保险
  • 职业责任保险
  • 非自有汽车保险
专门政策所填补的空白.

The list of coverage items that an ordinary policy might not include is lengthy. Examples include defibrillators or other equipment needed for large groups of visitors, 宗教领袖的个人财产, and even the costs of repairing or replacing things like stained glass windows.

意外保险.

你也可以得到责任问题的保险, 出差的旅行风险, and the costs of recruiting a suitable religious leader if a replacement becomes necessary.

To find out more about specialized church insurance options, contact us today.

教堂保险-圣坛上的圣书

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