Church & Religious Organization Insurance in California

The Bible defines the church as the body or gathering of believing Christians – it’s definitely more than a building. It's a community.

The church is responsible for providing a safe and secure sanctuary for people to worship and learn the Word of God. To deliver on its spiritual duties, the church needs to spend sufficient time and effort on some of its earthly, material responsibilities. Church insurance policies do just that; they protect the community both physically and financially in times of need.

For nearly 20 years, Carriage Trade’s commitment to Christian churches has included helping you manage costs, increase and improve loss prevention, and ensure that we get you the best bang for your buck.

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. Though the two 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. To further increase the scope of your policy’s coverage, it would be beneficial to add commercial auto insurance and workers compensation to your policy.

Carriage Trade Insurance Agency tailors your insurance to protect your Christian ministry's unique property, people, and programs.

What are the differences between 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 trustee officers‘ liability
  *   Employee practices liability

Make the most of your church insurance by adding a variety of optional coverages, so that your policy is customized to your church’s insurance needs. These can include the following:
  *   Lost wage coverage
  *   Key person replacement coverage
  *   Computer fraud coverage
  *   Flood coverage

Contact us today by calling 714.750.9230 or emailing mjakob@carriagetradeinsurance.com for detailed insight on the various coverage options listed above. Our agents will help you determine which coverages best meet your ministry’s needs.

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