Understanding how to Protect Your Church With Adequate Liability Coverage

Insurance protects your church when unfortunate circumstances arise. Property insurance takes care of things while liability insurance covers problems that could happen to others. It’s essential to protect your church from lawsuits and claims by having adequate and appropriate levels of coverage. It’s critical for you to have an adequate level of liability coverage by obtaining a church insurance quote.

Types of Liability Coverage to Consider

  • General liability – All churches should have general liability coverage to pay for property damage or bodily injury along with associated defense costs if litigation is necessary. Your church should carry at least $1 million in general liability insurance coverage.
  • Sexual misconduct is something that you don’t want to think about, but the situation can happen and force bankruptcy if allegations and litigation drain your financial resources. Carry at least $250,000 in coverage and more if possible.
  • Officer and director liability helps pay for expenses related to decisions made by trustees, officers, or members of the board that result in legal action.
  • Employment practices liability protects your church from claims that come up due to problems with employees such as wrongful termination or discrimination due to age or gender. It tends to come with a monthly premium that amounts to only a few hours of attorney fees.
  • All churches need to carry additional automobile insurance coverage for use of vehicles that are rented or used by the congregation. Members of the church who use their own vehicles carry individual auto insurance policies, but this coverage acts as a supplement to pay the difference if a claim does surface.
  • Medical payments is an addition to your policy that issues a payment to an individual who suffers injury while on church property. It is usually limited to $5,000, but payments can be made regardless of who is determined to be at fault for the incident.
  • Automobile coverage is a requirement for any church that owns and operates their own vehicles. Be mindful of limitations and restrictions, such as age, that are included with the policy documents. Aim to have $1 million in coverage for vehicle-related claims.

You don’t want to just walk into the first agency you come across to purchase all your insurance coverage. Take the time to find an agent that will analyze your needs and help you select appropriate levels of coverage to prevent a disaster from surfacing due to lack of financial resources.

What Our Clients Have to Say

Nolan Jackson Insurance did an excellent job in handling my insurance needs. I found their web site and was looking to replace my current policies for automobile and homeowners insurance. My insurance rates with my current carrier (State Farm) have gone through the roof, while my coverage has decreased.

Once I clicked on their site and filled out the simple forms for automobile and homeowners insurance within seconds, four quotes came back from four different companies. I heard back from Nolan Jackson Insurance within five minutes and they were helpful in answering my questions. He is definitely informative and tries to get you the best quotes for your money. I really enjoyed working with Mr. Jackson and he never pressured me at all to buy anything from his agency.

Hal C. Brooks, Georgia

Nolan has been a pleasure to work with over the past 7 years. From my car insurance to homeowners insurance to life insurance, Nolan has been a TREMENDOUS help to my family and I. He has always been professional and easily accessible should I ever need him. He has made the complex world of insurance very easy and understandable for me. I wholeheartedly recommend him to anyone who is searching for an insurance agent. You won't find anyone better. I guarantee you that!

Jason T. Lithia Springs, GA

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