A church is more than a building. It’s a community.

Sharing the gospel may be your first priority,  but one of your key responsibilities is to protect the financial health and well-being of your ministry. For nearly 20 years, our commitment to Christian churches has included helping you manage costs, increase and improve loss prevention, and ensure that we provide value.

A church is a worship center where people unite in a familiar, comfortable environment. Individuals seeking spiritual guidance join together to form a familial bond. It is your ministry’s duty to maintain a safe and welcoming facility. Should disaster strike, a church insurance policy can protect the community physically and emotionally in times of need.  

Though property and liability insurance policies are often similar in how they address fire, hail, and other non-ministry-specific losses, they can vary greatly in other aspects that are unique to your mission. Carriage Trade Insurance Agency tailors your insurance to protect your Christian ministry’s unique property, people, and programs.

What types of church insurance are available?

Like other kinds of insurance, there are a variety of options to choose from in regards to church insurance. Most plans include property and liability coverage.

Property coverage protects buildings, signage, fences and contents from damage and theft. Some of the non-standard items that are covered include, but are not limited to, the following:

• Stained glass windows
• Equipment failure, including electronics
• Fire and security alarm upgrades
• Personal property loss worldwide, e.g., items lost on a mission trip

Liability coverage protects the ministry against claims of property damage or bodily injury that occur on church property or at a church-sponsored event. Enhanced liability coverage includes, but is not limited to, the following:

• Personal injury liability
• Teacher/governing board liability
• Specialized emotional injury liability
• Sexual misconduct liability
• Directors, officers and trustees officers liability
• Employee practices liability

It may be beneficial to add commercial auto insurance and workers compensation to your policy for added protection.

Make the most of your church insurance.

In addition to your property and liability coverage, you can add a variety of optional coverages so your policy is customized to your churches insurance needs. These can include the following:

• Lost wage coverage
• Key person replacement coverage
• Computer fraud coverage
• Flood coverage

Contact us today 516.358.3612 or mjakob@carriagetradeinsurance.com  to learn more about coverage options. Our agents are happy to work with you to determine which coverages best meet your ministries needs.