The church is often regarded as a haven for parishioners, staff, and visitors. Sadly, it also faces operational risks, just like any other organization, as well as its own unique perils. With America being a fairly litigious society, congregations are slowly waking up to the vulnerability of their local churches and the need for Christian insurance.

Here are 6 factors to keep in mind when picking out the right church insurance provider.

1. Church Insurance Policy Options

Churches often have unique risk factors that may need further scrutiny before purchasing any insurance policy. Church buildings are often historical sites dotted with innate features that require extra property insurance. Additionally, the volunteers are diverse and of different age groups, with very few paid staff. The church may also require sexual abuse coverage as well as error and omissions liability coverage for their counselors.

2. Pricing

Churches will need to determine the coverage budget before choosing a Christian insurance plan. These costs are subject to location, membership, services offered, payroll, sales, and much more. Shopping around can help you locate a provider that fits your premium's budget while providing the maximum coverage and coverage that is specific to the church's needs.

3. Licensure

Church leaders should work with licensed insurance providers within the state. While it may sound obvious, licensure may become complicated when you factor in the various laws within a specific jurisdiction. Contacting the local state insurance department can help you determine if the company is licensed to offer the Christian insurance policy. You may also learn of any complaints lodged against the company and the steps taken to resolve them.

4. Financial Ability

You need to take out your church insurance from a company that will be present when misfortune strikes. The provider should be financially stable to pay out when you apply for your claims. You can achieve this by checking on their financial strength. There are a variety of online sites that grade insurance companies depending on their financial ability.

5. Full Disclosure

Work with a Christian insurance policy partner that is upfront and forthcoming about the different policies that they hold. Agents that provide vague information about the benefits, premiums, or canceling procedures should be avoided. Full disclosure should also apply to the non-attractive parts of the policies. This information can help you make a well-thought-out decision on the best insurance coverage for your church.

6. Reviews

Choose Christian insurance companies with good standing in your community. A quick check online can reveal the various experiences documented by past clients about the provider’s work ethic. You may narrow your search locally for better-tailored church insurance policies.

The church faces unique risk factors and requires tailored insurance coverage to protect its congregants, staff, visitors, and assets. Combining the right church insurance policy and a trustworthy insurer will give you peace of mind when accidents occur because you are covered by your church insurance policy. Holmes Insurance Agency is a family-owned insurance company in Manhattan, KS, that can help you pick out the right policy for your church.