What Insurance Coverage Does a Church Need? 

Churches may be core pillars of their communities, helping residents and families connect with one another while celebrating their faith. Additionally, these institutions often pride themselves on hosting gatherings and leading charitable initiatives. Still, while all these activities and functions may come with pure intentions, accidents and mishaps can have significant consequences. Suitable insurance is critical.

What Types of Insurance Should Churches Have?

As is typically the case for businesses and other organizations in your community, insurance needs can vary significantly. While churches may often have similar missions and operations, their sizes, locations and other factors can influence major differences in relevant risk levels, possible exposures and subsequent coverage needs.

When assessing your insurance options and investing in appropriate policies, your church may want to start by looking into the following:

• Property insurance can help manage physical damage sustained by the church itself, including its structural elements, additional structures, furniture and other contents.
• General liability insurance is essential for offsetting third-party bodily injuries, property damage and reputational harm for which a church may be at fault, such as if a member of a congregation is harmed during a service.
• Workers’ compensation insurance may assist church staff and employees with medical costs and other losses if they’re injured while conducting their duties.
• Directors and officers insurance can cover costs and losses if your church’s board members or leaders are accused of mismanaging the institution or making harmful decisions.
• Commercial auto insurance may be needed if your church owns vans, cars and other motor vehicles used for official functions.
• Special event insurance can cover losses and incidents arising from gatherings, celebrations, festivals and other events churches may host for their congregations and communities.

How to Get the Right Coverage for Churches in Macon, GA

At Tidwell and Hilburn Insurance, Inc., we have the knowledge and experience to help local churches understand and address their coverage needs. Contact us today start a dialogue or compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.