Bema Insurance provides custom-tailored solutions for churches, synagogues, and other religious organizations. With a wide range of carrier partners, we can create a cost-effective insurance package for your place of worship after an objective assessment of your unique requirements and budget.
Bema Insurance provides custom-tailored solutions for churches, synagogues, and other religious organizations. We can create a cost-effective insurance package for your place of worship after an objective assessment of your unique requirements and budget.
Like most organizations, churches face numerous risks that would warrant insurance protection. The building itself requires shielding against fire or wind damage. Assets like money, public address systems, and digital devices can be damaged or stolen. Church drivers, employees, pastors, or traveling missionaries introduce the risk of injury liabilities and lawsuits. Liability claims can also come from worshipers, kids, or guests injured within your church compound. Houses of worship insurance can cover these issues, letting you focus on serving the congregation.
At Bema, we offer the following coverage options to protect your religious organization:
Church insurance covers the primary place of worship and any other structures on the same compound. Coverage includes contents of the building, such as furniture, library/literature, electronics, and sound systems. The policy pays to repair or replace these structures if damaged by fire, storm, vandalism, or other covered events.
Religious organizations face different types of liability risks. GL insurance covers most of these issues, including bodily injury sustained by members of the congregation. Slippery sidewalks or parking lots due to heavy snowing at church are typical slip and fall injury risks. A GL policy can cover your organization's legal defense fees if the injured person sues in court, settlements, and medical bills for the injured. General liability insurance also covers advertising injury, such as when your church is accused of plagiarizing somebody else's work.
Crime policies cover a range of issues, including theft of church funds and employee dishonesty. If your church accountant stole money from a charitable fundraiser for the local community, this policy would compensate your organization.
Workers' compensation pays for the medical expenses that your employees may incur after sustaining work-related injuries. This policy is mandatory for employers, including religious organizations, unless specifically exempted by your state's law.
Churches occasionally have religious gatherings offsite, such as public ' crusades.' In many of these events, members bring expensive church equipment, such as pianos and public address sound systems. Your church can cover these prized possessions against damage or loss with inland marine insurance.
To effectively use church-owned vans and other vehicles for official missions, you should get commercial auto liability insurance. This church insurance policy would provide protection if your driver caused an accident and injured other people while running an errand for the church. It would cover treatment costs for any third-party injured in the crash.
At Bema Insurance, we review your unique risk exposures and work with multiple carriers to offer extensive coverage options that suit your budget and requirements. We provide quotes from several insurance providers, letting you compare prices to save money. In addition, our quick-response support team ensures that you stay informed every step of the way, from underwriting to filing a claim.