Question 1

What insurance coverage does a church need?

Accepted Answer

Churches need property insurance (building, contents, stained glass), general liability (visitor injuries), sexual misconduct coverage (abuse and molestation claims), pastoral counseling liability, directors and officers liability (board member protection), and workers compensation (employees). Many churches also need commercial auto (church vans), umbrella liability, and special event coverage. A church package policy bundles these coverages at a discount.

Question 2

Does general liability cover sexual abuse and molestation claims?

Accepted Answer

No, standard general liability policies exclude sexual misconduct. Churches must purchase separate sexual abuse and molestation coverage. These claims can reach millions of dollars and destroy a church financially. Coverage includes legal defense, settlements, and judgments. Insurers typically require background checks, youth protection policies, and supervision requirements. Premiums range from $500-$5,000 annually depending on programs and risk management.

Question 3

Are church volunteers covered under our insurance?

Accepted Answer

Volunteers are covered under general liability for injuries they cause to others, but they're not covered for their own injuries unless you add volunteer accident coverage. Workers compensation doesn't cover volunteers in most states. Volunteer accident insurance provides medical expense coverage if volunteers are injured during church activities. This is especially important for construction projects, mission trips, and youth programs.

Question 4

What is pastoral counseling liability insurance?

Accepted Answer

Pastoral counseling liability covers claims arising from clergy providing spiritual guidance and counseling—allegations of giving bad advice, breach of confidentiality, emotional distress, or failing to report abuse. It's a form of professional liability insurance for clergy. Coverage typically ranges from $500,000-$2 million. Many church policies include limited pastoral counseling coverage, but churches with active counseling ministries should carry higher limits.

Question 5

Does our church insurance cover mission trips and off-site events?

Accepted Answer

It depends on your policy. Many church policies provide limited off-premises coverage, but international mission trips, adventure activities, and large events may require special event insurance. Check your policy territory—some policies only cover activities in the U.S. For mission trips, you may need foreign liability coverage, medical evacuation insurance, and travel insurance. Always notify your insurer before major events or trips.

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