Church Insurance

Careful consideration should be given to the valuation of the property to be insured. In particular, older churches where ornamentation, construction materials (stone, etc.) suggest that a professional evaluation be completed to ensure proper values.

Here are some of the Commercial coverage highlights:

• Bylaws: Many jurisdictions require older structures to be replaced with more modern construction materials for fire protection.
• Most Commercial policies exclude coverage for stained-glass and artefacts unless specifically scheduled.
• Accounts receivable, valuable papers and office equipment (i.e., computers and media), as well as property in transit or off the premises can be included.
• Crime can cover employee dishonesty insurance, including volunteers. The liability requirements include:
  a. coverage for church counselling and sexual abuse
  b. tenants legal liability for occupant of residence and other church owned dwellings
  c. increased limits of insurance often up to $10,000,000 are available

For more information, please contact us.