Faith Community & Place of Worship
Property & Contents
- Building Coverage: Protects the physical structure of the place of worship against damage from fire, storms, vandalism, or theft.
- Contents Coverage: Covers furnishings, religious artifacts, audio-visual equipment, and other items inside the building.
Civil Liability
- General Liability: Protects against claims of bodily injury & property damage.
- Professional Liability: Errors & Omissions made by clergy and individuals in their professional duties.
- Abuse Liability: Crucial for any place that works with children & vulnerable adults protecting against claims of abuse or misconduct.
Directors & Officers
Organization entities require protection for actions taken by directors & officers. This includes covering the costs of legal defense, settlements, or damages.
covering legal costs & settlements or judgments and covering their personal assets.
Errors & Omissions
Religious organizations and it's clergy staff provide guidance, counseling making them responsible for claims of:
- misconduct
- negligence
- inaccurate advise
- defamation
- slander
- failure to follow rules & legal requirements
- failures to perform their professional duties.
Business Interruption
In the event of damage that forces the place of worship to temporarily close, this coverage helps replace lost income from services, donations, and events.
Stained glass
Stained glass windows often have intrinsic value, centuries old, with historical, & cultural significance.
- Coverage protects against natural disasters & fire.
- Restoration, Repair & Replacement often require specialized artisans to ensure window are repaired to their original state, accounting for age, rarity, & craftsmanship
Rare items & Sacred objects
Sacred objects, ancient scrolls, fine art & valuables typically require specialized endorsements with comprehensive protection against perils such as fire, theft, water damage, or vandalism. Due to their cultural importance, coverage includes restoration costs. This is especially useful for objects that may not be permanently housed in the place of worship, on loan, for an event, or temporarily moved for religious rituals.
Cyber
Religious organizations often maintain databases with sensitive personal data about congregants, including names, addresses, birthdays, health information and volunteer details. Data breach or loss could lead to significant disruptions, liability, or theft of funds. Using email, social media & digital channels could open the organization to be targeted for phishing attacks or account hijacking. Proper coverage protects against these cyberattacks.