If one or more of these scenarios apply to your church, you should make sure you have the proper coverage in place.
Does your church rent the facilities where you worship? Does the landlord require a certificate of liability insurance?
Do your pastors counsel others, even if they are not members of your church?
Do your staff and volunteers supervise or teach young children? Does the church have practices and procedures in place to minimize the risk of sexual abuse? Do you think you should run background checks?
Mennonite Insurance can help with these and other scenarios. We specialize in serving Mennonite, Mennonite Brethren, Brethren in Christ, and other Anabaptist churches in Arizona, California, Oregon and Washington.
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Could it easily afford to replace these if they were damaged, destroyed or stolen? If not, your church may need property insurance.
Every person who relates to your church presents a witness opportunity. However, any of these people could also be injured, and the church may be held responsible for those injuries. Your church may need general liability insurance.
The state requires workers compensation insurance.
It will need at least liability coverage for those autos.
Even just to run an errand? Does the church rent or borrow vehicles for youth trips? If an accident occurs, the church could be named in a lawsuit. The coverage for these accidents is known as non-owned and hired auto coverage and can be endorsed to the church auto policy or the general liability policy.
Do you require that your church be endorsed on the other organization’s liability policy as an additional named insured? Injuries that occur on the church property will almost certainly involve the church even if another organization was “in charge” at the time.