Insurance board specializes in serving churches and related entities within the following denominations:
CHRISTIAN CHURCH (DISCIPLES OF CHRIST)
REFORMED CHURCH IN AMERICA
EVANGELICAL LUTHERAN CHURCH IN AMERICA
Our church property insurance provides all risk protection for perils such as fire, lightning, windstorm, rainstorm, explosion, collapse, smoke and theft.
Insurance Board Property CLASSIC & Insurance Board Property FLEX Insurance
Insurance Board offers two property insurance choices with options to tailor your insurance for your needs.
Blanket limit to cover both the building and its contents.
Within the property coverage you can choose your deductible between $1,000 and $50,000 which allows you the opportunity to manage your insurance policy to suit your congregation’s needs.
Broad range of Property coverage including optional earthquake and flood coverage for the churches that need it.
We can offer a wide range of property coverage.
Property Coverage
This coverage Includes:
- Buildings such as church, parsonage and school (replacement cost up to policy limits)
- Unintentional Underinsurance +25% of the blanket limit
- Pews, furniture, fixtures, ceremonial objects and more
- Boiler & machinery equipment
- Computers, software, disks, office equipment, supplies and more
- Business personal effects of clergy, officers and others
- Stained glass, organs, pianos, and musical equipment
- Valuable documents and records
- Business income and accounts receivable
- Newly acquired property and property in transit
- Ground improvements: fences, signs, trees, shrubs and plants
- Owned watercraft
- Debris removal and pollutant clean-up
Special Features of the IB Program
- Upgrade to green endorsement
- Ordinance protection (demolition & increased cost of construction)
- Boiler & machinery coverage automatically included
- Optional Coverage for IB Participants
- Earthquake
- Flood
- Fine arts
- Miscellaneous articles & equipment
- Alternate deductibles
General Church Liability Insurance
This coverage protects the church against claims for which it may be legally liable. In more specific terms coverage is provided for claims against bodily injury or property damage either on premises or during operations. Those afforded General liability protection include church members, employees, officials, staff, and volunteers acting on behalf of the church.
The Insurance Board offers a comprehensive suite of coverage, including:
- General Liability
- Abusive Acts/Sexual Misconduct Liability
- Pastoral Counseling Liability
- Hired & Non-Owned Auto Liability
- Directors & Officers Liability Employment-Related Practices Liabilities such as sexual harassment, wrongful termination & discrimination.
- Employers’ Liability (Stop Gap)
- In addition, participants in the Insurance Board program enjoy a $30M Umbrella and Excess Liability when purchased.
- Employee Benefits Liability
- Cemetery Professional Liability
- Crime (Employee Dishonesty)
- Teachers’ Liability & Corporal Punishment
- Nurses’ Liability
- Advertising Liability & Copyright Infringement
- Libel, Slander, Defamation, False Arrest & Invasion
Our Wide Range of Automobile Coverage
Your staff and volunteers spend a lot of time on the road traveling for church purposes, delivering food, making visits to the sick. Be sure that these drivers and the church are protected by coverage that keeps your mission alive with church automobile insurance.
The Insurance Board offers a comprehensive suite of coverage, including:
- Non-owned & hired automobile liability
- Volunteers as insureds
- Auto medical payments
Optional:
- Owned automobile liability
- Comprehensive (theft & fire)
- Collision
- Personal injury protection
- Uninsured/underinsured motorists
- Towing and labor
- Rental reimbursement
- Drive other car coverage (available for pastors and church officials who do not have a personal auto insurance policy)
Church Workers' Compensation
Church Workers’ Compensation coverage is available on a specific-request basis for employment-related injuries. Most states require churches to purchase Workers’ Compensation insurance for their employees.
This Coverage Includes:
- Employer’s Liability
- Medical & Loss Of Wage Benefits
Tenants & Users Liability Insurance Program (TULIP):
This is a liability insurance policy a third party can obtain specifically for use of your church for one-time or recurring events such as fundraisers, parties, dances, weekly meetings, Bible study programs, etc. TULIP allows the Tenant or User entity to purchase a low-cost general liability product to cover their liability related to utilizing the church premises, protecting the entity as well as the church.