- Property - Your buildings and the
contents inside those buildings.
The property insurance includes coverage for
perils like fire, wind, hail, lightning, theft,
vandalism, etc.
- Liability - Protection from lawsuits.
- Clergy Professional Liability
- Alleged Sexual Misconduct Liability
- Directors and Officers Liability
- School Liability
- Day Care Liability
- Hired and Non Owned Auto Liability
- Medical Payments (including volunteer labor)
- Excess Sports Medical (for athletic related
injuries, like softball leagues)
- Crime - Theft of Money, Employee /
Member Dishonesty Bond
- Miscellaneous - A few of the many
coverages in our policy include...
- Loss of Business Income
- Personal Effects of Clergy
- Extra Expense
- Stained Glass Coverage
- Replacement Cost
- Signs
Church Auto
All vehicles titled to the church, including
Vans, Buses, Utility Vehicles and personal
auto's used by church staff.
Key Benefits
- Liability - for bodily injury and
property damage of others.
- Medical Payments - Pays for injuries to
passengers and driver.
- Uninsured Motorists - Coverage for
occupants if injured by an uninsured or
underinsured motorist and they are found to be
at fault.
- Comprehensive - Physical Damage
coverage for other than a collision. It
includes coverage for theft, vandalism, fire,
etc.
- Collision - Physical Damage coverage
for a loss resulting from a collision with
another vehicle or property.
Hired &
Non-owned Auto Liability.
Protects the church against lawsuits for vehicles
they don’t own or while using a rented or borrowed
vehicle. Example: 1) Pastor uses his personal auto
to call on members in the hospital. 2) Member picks
up kids in her own car every Sunday to bring them to
church. In either example, the church is protected
under this coverage if a lawsuit is filed against
them as a result of the accident. 3) The
church rents a van for a one week youth group
activity. This coverage provides liability
protection to the rented vehicle. Physical
Damage is normally not covered under this coverage
but can normally be included by special endorsement
for individual needs.
Workers Compensation
Key Benefits for Employees
- Medical Expense Benefits
- Disability Benefits
- Death Benefits
- Rehabilitation Benefits
- Wage Benefits
Key Benefits for Employers
- Employer Liability Protection
- Basic Limits in Georgia
$100,000 each accident
$500,000 Disease policy limits
$100,00 Disease each employee
- Higher Limits Available
Should your Church be
carrying a Workers Compensation Policy?
- Georgia Law
requires churches with private employments of
three or more people to carry workers
compensation. This can be full or part time
employees even contracted labor that does not
carry their own workers comp policy.
What if you only have
one - three employees?
- It would be our
recommendation that you carry a policy even
though it is not required by law. It still
protects the church against lawsuit if an
employee is injured on the job and it
compensates the injured employee by paying
covered medical expenses and lost wages.
Your pastor is an
"independent contractor". Do we
still need to cover him?
- You hired your pastor as
an independent contractor. However, he is
not considered an independent contractor by workers
compensation definitions. Workers
Compensation has nine items that must be true
for a person to be excluded under workers
compensation and a pastor would NOT qualify.
Therefore, your pastor would be considered an
employee for workers compensation and would need
to be included under this policy.
Student Medical
The
Student Accident Policy is a tailored coverage for
churches with daycares, day schools, and school
activities associated with them.
The coverage picks up where the normal Church
Package Policy ends. Outlined
below is a list of coverages included with the
Student Accident Policy.
It is a great addition and need of every
church that is associated with a school or day care.
Key Benefits
Accidental
Medical Benefits
$25,000
Deductible
None
Hospital/Facility Services, Physician
Services,
Dental Services, Other Services (To include:
Nurses, Prescriptions, Laboratory Tests,
X-Rays,
Ambulances, Durable Medical Equipment,
Eyeglasses)
100% U & C*
Accidental
Death & Dismemberment
$20,000/$10,000/$10,000
Coverage
Full Excess
*U&C
– Usual & Customary
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