When choosing an insurance policy, it's essential to learn about the level of coverage it comes with and your needs. If you're a member of a local church, it's imperative to find a church insurance policy that comes with a wide level of coverage options. According to Statista, around 20% of people in the United States attend church every week and nearly 11% attend once a month. Finding the right policy for your church helps to protect the patrons and allows your congregation to feel safe. This article will take a closer look at how church insurance works and what to look for when choosing a provider.

General Liability

If someone slips and falls on the property, they can sue the church. In this instance, liability insurance often covers the costs associated with the accident so the church doesn’t struggle to cover medical expenses. Request a free consultation with an insurance provider to learn more about the costs associated with protecting your church. This helps to guarantee you can find a provider that fits within your budget.

Additional Liability

Liability insurance for specific circumstances is usually available as an add-on to general liability. For example, churches may choose to get food preparation coverage or umbrella liability to make it easier to cover additional costs that may arise. Every type of church insurance offers different add-ons, so discussing your concerns with your insurance company is essential. Work with an agency that's family-owned so you can feel confident that you're receiving honest and dependable assistance.

Auto Insurance

Most churches have vehicles that are utilized for activities. For example, it’s common for a church to own a 15-person van to transport patrons to activities. Churches must have insurance coverage on their vehicles. Talk with an insurance provider that has received an A+ rating from the Better Business Bureau in order to adequately protect your vehicles and patrons.

Property Insurance

Property insurance is another type of coverage most churches have. This coverage will typically cover a building from theft, water damage, or damage from weather conditions. When selecting coverage, it’s important to consider the prevalent weather conditions and natural disasters in your area. Purchase a policy from a company with decades of experience so you can have peace of mind regardless of what issue may present itself.

Churches will need coverage that protects their building, equipment, vehicles, and possible injuries. If you're looking for a church insurance provider that you can depend upon, contact Holmes Agency LLC for more information today. Our team will be happy to help you find a policy that's right for your needs!