Reasons Why It Matters to Use a Church Insurance Company

Most churches are funded mainly with tithes and offerings from their congregation, sometimes receiving an “allowance” from their denomination’s general fund. Because of this it can be  challenging for a church to budget for activities and church obligations, such as volunteer protection and property damage.

An insurance provider for churches is dedicated to improving churches. They pay for building damage and repairs like any other insurer and protect the church against general liabilities, such as bodily harm.

Missionary work is also something that many churches do. A good insurance plan provides all-encompassing protection. It is advised that churches spend time figuring out which insurance policy is best for their religious endeavors. To understand better, here are the reasons why it matters to use a church insurance company:

1. You Need Property Insurance

Church vandalism in America is on the rise. For whatever reason, the interior and exterior of houses of worship across the country have been vandalized and profaned. Property insurance can reduce the impact of accidents, theft, natural disasters, and other occurrences.

Furthermore, your church serves more purposes than just worship services. If you own several structures, such as a parsonage, activity center, dining hall, or any other buildings, keeping adequate property insurance is crucial. This protects your church from unforeseen circumstances and damage from fire, hail, lightning, and strong winds.

2. You Need Employee Insurance

Larger churches frequently employ church workers on a full-time basis. Even small congregations generally need a small number of paid staff members for their time and services. Depending on the specifics, it may be a good idea to have workers' compensation at your church. 

Despite your best efforts and intentions, workplace disputes may develop into physical altercations. In addition to mediation, workers can pursue monetary compensation through a civil lawsuit.

3. You Need Liability Insurance

Some church leaders are hesitant to get liability insurance. They believe it is only used in lawsuits or possible adverse action against congregation members. However, this coverage actually protects everyone who enters your church.

When it rains, steps and entrances can become slippery. Sometimes, people will lose footing inside your church. This could lead to a slip-and-fall incident. Churches in older buildings may also be subject to deteriorating furnishings that could create accidents.

In addition, due to location or other reasons, some churches are prone to theft and burglary. While no one wants to think this scenario could unfold, the sad fact is that it can and does. Speak with a reputable insurance agent to learn more about all the coverage options available to you

4. To Protect Everyone While on Mission Trips

Many churches include mission trips in their annual events. As you might expect, every mission trip could put your church at risk of a lawsuit. What might sustain damage while transported from one place to another cannot be predicted. International mission trips risk bodily harm in addition to the possibility of physical harm and even kidnapping.

To reiterate, high-quality insurance is necessary to guarantee everyone's security. The right insurance can offer medical coverage abroad and defend against kidnapping, ransom, and extortion when visiting a region with a high crime rate.

Conclusion

It can be challenging to select the best insurance provider for your company. Have an insurance partner with the ability, know-how, and experience required to satisfy your needs. Your friendly and knowledgeable insurance agent will happily walk you through all your possible choices.

Church Insurance Man is a church insurance company that’s dedicated to providing cost-effective church and non-profit insurance policies in Georgia, including Columbus, Jersey, and Macon. Our experts have years of experience searching through insurance options to find the best packages for our clients.