Churches actually have many of the characteristics of a for-profit company. Like businesses, most churches own property that may be lost, damaged or stolen. Many own vehicles that may be involved in accidents. Like businesses, churches need church insurance so they can protect their assets and continue to serve their mission.
Your current insurance
When asked by churches to review their existing arrangements we often come across a gap in their cover that leaves them completely exposed in a particular area.
This is usually because their activities have changed and they didn’t realise that the risk level had changed or that there was even a risk involved.
However, sometimes the gap is due to the inadequate advice of a non-specialist or a lack of explanation. Getting up to speed with an expert is so important to ensure you’re fully covered and prepared for the worst.
Cover types
Depending on your activities, your church may benefit from:
Church Buildings Cover – does as it says; pays out in the event of a claim affecting your church buildings
Church Contents Cover – pays out if contents and equipment gets stolen or damaged
Public Liability – protects you from the costs of claims brought by members, visitors, etc as a result of bodily injury or damage to property
Church Officers Indemnity – protects the church leadership and members in specific roles from the effects of unintentionally poor decisions
Counselling & Advice Cover – to cover the costs of claims alleging wrongful advice following a loss
Manse Cover – landlord insurance for houses the church may own and rent out
Event Insurance – from one-off events to regular events organised by the church. For example, outreach opportunities, Alpha Courses, Christianity Explained, social events, fundraisers, etc.
Foodbank Insurance – cover for the activities and stock handled by the UK’s individual foodbanks
Minibus Cover – just like car insurance but for your minibus
Employer’s Liability – to protect you from claims by employees/volunteers in relation to bodily injury or employment issues
Abuse Cover – covers the cost to the church should an allegation of abuse be made
Publisher’s Liability – this covers your church website and other publications against the risk of libel. If you’re offering sermons for download from your website or issuing recordings on CD you should consider this protection against slander.
Group Travel – covers trips you organise for members or staff in the UK & abroad.
Just Quote Me Church Insurance Quotes
You can contact Just Quote Me today to discuss your church insurance – we can help you find quotes to suit you! Contact us here to find out more.
