Which Church Insurance Service Is Right For Your House of Worship?
Just like any other public entity, your house of worship needs to be sure it is properly insured. Religious institutes operate in a manner that can vary greatly from other organizations, so knowing what sort of coverage is necessary can be a confusing process. Seeking the help of a church insurance service is the best way to guarantee you have the complete coverage you need.
First, you'll need property insurance.
You never know what valuable items could be damaged or stolen, and you'll want to be reimbursed for their replacements. Liability insurance is also key. With large gatherings of people, accidents may happen. You'll want to be protected in case of emergency. You will also want to have vehicle insurance for any automobiles you use. Employment practices are a liability that is commonly excluded from policies, so you may need to seek them separately. Workers' compensation is a smart idea to protect your employees.
It is also vital to make sure that all of your policies are up to date. With all of the activities of a busy place of worship, it can be easy for this to slip through the cracks. Finding the right policy will be meaningless if you let it expire.