Our property coverage includes standard protections such as lightning, wind, fire, and hail, along with expanded options for unique needs:

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• Equipment Breakdown – Covers vital equipment such as computers, boilers, and electrical systems.

• Newly Acquired or Constructed Property – Protects recently acquired or newly built properties.

• Personal Effects and Property of Others – Coverage for personal items on your premises.

• Pastor's Personal Property – Protection for your pastor’s personal belongings.

• Ordinance or Law – Provides coverage for costs associated with the enforcement of building codes.

• Indirect Loss – Covers losses indirectly resulting from property damage.

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Additional property coverage options:

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• Crime – Protects against theft, employee dishonesty, and forgery or alteration of financial documents.

• Inland Marine – Covers valuable possessions transported between locations.

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Protects your religious organization from legal liability related to injuries or property damage.

Primary Medical Payments – Covers injuries occurring on church premises and accidents during church-sponsored activities.

• Hired and Non-Owned Auto Liability – Provides liability and medical coverage for the church when using non-owned or hired vehicles.

• Directors, Officers, and Trustees Liability – Covers wrongful acts committed by church leadership.

• Employment Practices Liability – Protects your organization against claims related to employment issues such as discrimination, wrongful termination, and sexual harassment.

• Sexual Misconduct Liability – Provides legal protection against claims of sexual misconduct by staff or volunteers.

• Employee Benefits Liability – Covers errors or omissions in the administration of employee benefits programs.

• Day Care and School Medical – Provides medical payments for accidents occurring during supervised church or school activities.

• Interscholastic Athletic Medical – Covers medical expenses for accidents related to athletic events hosted by your organization.

• Business Auto Policy

• Umbrella Policy

• Workers' Compensation Policy

• Dental and Vision Insurance

• Group Life Insurance

• Short-Term and Long-Term Disability

• Long-Term Care