Business Insurance for Churches and Religious Organizations
Whether you are a minister, lay volunteer or a member of your church board of directors, Linville Insurance Agency can help you put together the right business insurance program. We understand that churches need to control business expenses and risk, but our experience working with church insurance programs in Kentucky, Tennessee and Ohio means we are also familiar with issues unique to churches.
Business Insurance and Risk Management Programs for Churches
- The extensive use of volunteers on church boards and in quasi-management positions; board members will have needs for individual liability insurance and their actions may create liability exposure for your church.
- Higher expectations of conduct placed on pastors, ministers and church employees; this often means higher limits of insurance should be placed, and risk management should be be employed to reduce this liability risk.
- Unusual church property such as stained glass windows, statuary, icons and building structures these can be expensive to replace and assigning a property value can be a challenge.
- Sponsorship of youth groups and non-profit organizations who often use church buildings and facilities.
- Unique exposures if your church operates a daycare, preschool or school
Analysis of board and non-profit activities, loss control plans, and insurance
Linville Insurance Agency can help analyze the risk your church faces, suggest ways to manage and minimize that risk and then put together an effective, economical insurance program. We have access to top rated church insurance programs from national and regional insurance carriers; your insurance program may need to include:
- Property insurance for buildings
- Insurance coverage for donated and purchased statues, artwork, and building fixtures
- Business Auto Insurance (Including 15 passenger vans)
- Workers compensation
- Liability insurance
- Directors and officers Liability
- Coverage for daycare and preschools
- Sexual abuse and molestation coverage
- Violent response liability
- Special liability coverage for emotional injury and discrimination suits (religious freedom)
- Professional liability insurance (for clergy)
Additional Business Insurance Resources:
