Church Liability Insurance

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Church Insurance

Interested in learning more about our specialized Church Insurance Products that are created specifically for congregations and denominations? Contact Moyer & Moyer for complete details of coverages.

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General Liability coverage protects the church against claims of bodily injury or property damage arising out of its premises or operations for which the church may be legally liable. Other general liability coverages within the FaithGuard policy include:

  • Liability for personal and advertising injury offenses, such as libel and slander
  • Medical expenses, regardless of fault
  • Claims resulting from ministers’ spiritual counseling
  • Expenses resulting from a violent incident occurring during a church sponsored activity

The FaithGuard general liability coverages protect church members, employees, officials, staff, and volunteers acting on behalf of the church.

Optional Insurance Coverages

A wide variety of optional insurance coverages are also available:

  • Non-owned and Hired Auto Liability: Provides additional liability coverage for personal or rented vehicles that are used on behalf of the ministry for any church-related business ventures. Common instances include using a members’ personal car to carpool to a church-related event, renting a vehicle in the name of the church, driving to visitations on behalf of the church, or even running errands for the church. The limit of this coverage is $1,000,000.
  • Directors and Officers Liability: Provides coverage for your directors, officers, trustees, administrators, etc. for decisions they’ve made on behalf of the church. This coverage protects those individuals from being held personally liable or at fault for those acts or decisions. The limit of this coverage is $1,000,000 per occurrence.
  • Employment Practices Liability: Provides coverage for employment-related claims such as sexual harassment, failure to hire, wrongful discharge, failure to promote, etc. Coverage available up to $1,000,000 per occurrence.
  • Sexual Misconduct Liability: Provides protection for your organization in the event that any legal action is taken due to accusations of sexual misconduct by a staff member or volunteer. The limits of coverage available range from $25,000 - $1,000,000 per occurrence.
  • Employee Benefits Liability: Provides coverage for the administration of employee benefits programs.
  • Lost Wages Coverage: Reimburses an injured, non-employee for their lost wages while away from work due to an accident as part of church ministry, regardless of fault.
  • Counselors Liability (licensed and fee-based): Provides coverage for the additional exposure licensed and fee-based counseling has. With this coverage, pastoral and volunteer counseling is automatically included. The limit of this coverage is $1,000,000. Please contact us for full coverage details and liability specifics regarding Counselors Liability.
  • Religious Expressions Coverage: Helps defend your church against claims of mental or emotional pain arising from actions others deem discriminating or harmful.
  • Daycare Liability: Provides coverage for the additional exposures a church-owned daycare has. Daycare medical payments can be added to this policy to cover medical costs (regardless of fault or negligence) to injured daycare participants.

Additional Policies Available

In addition to Church Property and Church Liability insurance, Moyer & Moyer Insurance Agency, in partnership with GuideOne, can offer you several additional policies to complement your church insurance coverage such as the following. Click each policy for more details.

Workers’ Compensation

Covers a paid employee of the church that was injured while working. This would cover their medical expenses, as well as a portion of their future lost wages.

Business Auto

Like any typical auto policy, business auto covers any type of auto that a church owns (personal autos, vans, buses, maintenance vehicles, and trailers). This coverage could include both the liability and comp and collision if the client desires.

Cyber Liability

Most churches today utilize the web and online databases to operate. Any type of privacy breach or corruption of data could significantly impact the entity of your ministry.

Umbrella

A policy written in million dollar increments that extends desired underlying coverages within other liability policies. For instance, a $1,000,000 umbrella policy that sits over the general liability would extend coverage to a total of $2,000,000. Certain coverages cannot be added to the umbrella based on underwriting guidelines.

Key Employee Life

Life Insurance for a pastor/church leader that is often needed for loans/mortgages, where the mortgage company would be the policy beneficiary. Many loan companies require this coverage. Underwritten by the Kansas City Life Insurance Company.

International Travel Coverage

Provides additional coverage for church groups traveling internationally.