Why do you need church insurance?
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.
- 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?
Frequently Asked Questions
Does your church own property, e.g. buildings or contents?
Could it easily afford to replace these if they were damaged, destroyed or stolen? If not, your church may need property insurance.
Do members and non-members come to your church campus or participate in church activities?
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.
Does your church have employees?
The state requires workers compensation insurance.
Does the church own motor vehicles?
It will need at least liability coverage for those autos.
Do church members use their own vehicles for church business?
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.
Does the church let other organizations use its facilities?
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.
