Questions to Ask Your Insurance Agent

As a church leader, you understand the importance of protecting your congregation. While you may have insurance for your building and property, you must also ensure that you have the appropriate coverage for potential liability issues. This is where a church insurance agent can help.

However, before signing on the dotted line, you must ask the right questions to ensure you have the necessary coverage to protect your church and its members.

What Is Covered Under the Policy?

Knowing what is covered under your policy is crucial when protecting your church from liability issues. It's essential to know the specifics of the approach to ensure that your church is adequately covered in case of any unfortunate event. Some policies may have exclusions for specific claims, such as sexual misconduct or discrimination.

Therefore, it's crucial to read and understand the policy thoroughly. Ask your insurance agent any questions you might have to ensure that you have the necessary coverage to protect your church and its members.

What Is the Policy Limit?

The policy limit is a crucial aspect of any insurance policy. It's essential to ensure that the policy limit is sufficient to cover any potential claims that may arise. If the limit is too low, the church may be responsible for paying the remaining amount out of pocket.

Therefore, it is essential to discuss the policy limit with your insurance agent and understand how it applies to your specific coverage. By doing so, you can ensure that your church is adequately protected and that you won't face any financial burden in the event of a claim.

Are There Any Exclusions?

Understanding any exclusions that may apply to your church insurance policy is essential. Exclusions refer to specific situations or events not covered by the policy. Some guidelines may have exclusions for certain activities or events. It's crucial to discuss any potential exclusions with your insurance agent to ensure that your church is adequately protected.

By understanding the exclusions and how they apply to your policy, you can make informed decisions about your insurance coverage and prevent any surprises or unexpected expenses in the event of a claim.

What Is the Deductible?

The deductible is another essential aspect of any insurance policy. It refers to the amount the church must pay out of pocket before the insurance company pays for a claim. It's essential to ensure that the deductible is affordable for your church and that you can pay it in case of a claim.

When discussing the deductible with your insurance agent, ask about any discounts available if you choose a higher deductible. By understanding the deductible and how it applies to your policy, you can make informed decisions about your insurance coverage and protect your church from unexpected expenses.

Conclusion

As a church leader, protecting your congregation is a top priority. Therefore, it's essential to have the appropriate insurance coverage to protect against potential liability issues. When speaking with your church insurance agent, ask the above questions to ensure you have the necessary range of insurance to protect your church and its members. 

With the right insurance coverage, you can have peace of mind knowing that your church is protected.

Protect your church and its members with Church Insurance Man, your trusted church insurance agency in Macon, Columbus, Gainesville, and Gwinnett. We provide a variety of church insurance packages, including general liability, property, workers' compensation, and more. Our experienced agents will work with you to tailor an insurance policy that meets your church's needs and budget. Contact us for more information!