Insurance for Your Church
Church insurance isn't just a typical commercial policy. By analyzing the specific hazards your church may face, we help you find the correct protection to cover your facility, your employees, your congregation and your ministries. Call our office for a quote (806) 763-7311 or you may click below to begin your quote request.
What type of insurance does Your church need?
We insured churches of all sizes, both denominational and non-denomination. No church is the exactly the same, so coverage choices will depend on each church's activities and ministries. Below is a list of coverages that may be relevant to your church.
Property Insurance- First-party" insurance of real and personal property against physical loss or damage. Examples include the church building, the contents inside, stained glass, organs and instruments, computers and electronic media including other structures the church owns or leases such as parsonages and branch locations. This coverage can be written on various coverage forms and can have multiple deductibles.
General Liability- Insures against for third party liability claims due to negligence. Coveragescan include premises and operations liability for activities that occur on the church's premises and away from the church. This coverage has its own conditions and exclusions. Most General Liability policies exclude sexual abuse and molestation and employment practices liability. These coverages are usually written separately.
Crime Coverage- A generic term used to encompass the variety of crime coverage forms available to protect against losses of money, securities and property by such causes of loss as employee dishonesty, forgery, theft, burglary, robbery, kidnap, extortion and fraud
Loss of Earnings and Extra Expense- A time element coverage which pays for loss of earnings or income when business operations are interrupted, curtailed or suspended due to property loss as a result of an insured cause of loss. Also covered are loss of rents and rental value. Includes reimbursement for additional expenses incurred because of an insured loss
Employment Practices Liability- Coverage for legal costs to defend claims involving sexual harassment, wrongful termination and discrimination including legal liability for such acts
Sexual Misconduct and Abuse Liability- defends and protects against acts and allegations of abuse or molestation.
Directors and Officers Liability- Protects officers and directors of a church against damages from claims resulting from negligent or wrongful acts in the course of their duties. Also covers the church (and even the officers and directors in some cases) for expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors.
Pastoral Liability- Injury resulting from spiritual counseling by your minister, or by an employee or volunteer under the direction and control of a minister
Commercial Umbrella/Excess Coverage- A form of liability insurance protecting policyholders for claims in excess of the limits of their primary business automobile, general liability, and workers compensation policies. Such cases are subject to a deductible (or self-insured retention).
Accident/Medical/Trip Insurance- Insurance covering medical expenses caused by accidental injury. Negligence is not a requirement for payment. Mainly used by churches with active youth groups and mission trips (both inside and outside the U.S.) These policies typically act as "excess" coverage when the injured party has their own private medical insurance.
Commercial Auto Policy- Needed when a church owns a vehicle(s). Coverage designed to provide a "standard" form for insuring commercial vehicles (other than private passenger cars) including Liability, Uninsured/Underinsured Motorist Liability, Comprehensive and Collision coverage.
Hired and Non Owned Liability- Coverage for the church against liability incurred while driving an automobile not owned by the church or resulting from the use of someone else's automobile on the church's behalf, such as an employee using a personal car for the employer's business purposes.
Kidnap and Ransom- A specialty policy designed to cover the cost of ransom and related expenses, due to a person being kidnapped. Some policies may also provide varying limits of life and medical insurance coverage. Various territorial restrictions typically apply.
Workers Compensation- Protection which provides benefits to employees for any injury or contracted disease arising out of and in the course of employment. All states have laws which require such protection for workers and prescribe the length and amount of such benefits provided.
Risk Management Services
Having good insurance is crucial to a church. However, it is only one of the steps for having a successful risk management program.
Proactive Risk Management Services- IPPR
Identifying, Preventing, Preparing and Responding to a situation or disaster is the most crucial factor for a good risk management program. Insurance is only used "after" something happens, risk management procedures "prevent" and/or "reduce" the effects of a disaster "before" they happen. It is good risk management procedures that reduce direct costs such as insurance premiums and reduces the indirect costs such as but not limited to; losing members, loss of donations and damage to the reputation of the church. It is highly likely that the indirect costs can far exceed the insurable costs when a disaster occurs.
Our agency will work hand and hand with you to go through the entire IPPR process. We will provide the TOOLS, RESOURCES, EXPERIENCE, and CREATIVITY that will help your business maintain a safe and growing environment.
For those businesses where we are not the acting insurance agent, we can provide our Risk Management Services on a consultant/fee basis.
What if my Church operates a Private School?
No problem, we insure churches that have privates schools. Check out our School Insurance page. We can write both the church and the school together
Personal Insurance for Pastors, Staff and Employees
The Shropshire Agency is a full service independent insurance agency. We have provided Personal Insurance for over 60 years and we can help;
•Pastors- insure your home or provide the tenant policy for your parsonage along with insuring you personal autos.
•Staff and Employees- insure your Home and Auto(s). We represent a carrier that provides additional discounts for employees of the churches we insure.
Call us or click HERE to get an online quote.
Want more information about our agency's Church Insurance Program?
Call us at (806) 763-7311 or complete our contact form by clicking on
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