Church & Religious Organization Insurance in New Jersey
Churches aren’t just buildings; they are the gathering of Christians.
In other words, the church is the congregation - and the physical building facilitates these meetings. So, while sharing the gospel may be your first priority, one of your key responsibilities is to protect the financial health and well-being of your ministry.
For nearly 20 years, Carriage Trade has committed to helping Christian churches manage costs, increase and improve loss prevention, and ensuring that we provide value.
Why Buy Church Insurance?
Your responsibility towards your ministry is two-pronged – help meet the spiritual needs of your community while maintaining a safe and welcoming facility. Buying a church insurance policy is a great way to protect your church against unforeseen events. Should disaster strike, church insurance will provide a monetary safety net to fall back upon and free up your time and energy to focus on the well-being of your congregation.
Church insurance plans, like other kinds of insurance, include a variety of options to choose from. Most plans incorporate property and liability coverage. 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?
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
Most churches further add commercial auto insurance and workers compensation to their policy for added protection.
Make the most of your church insurance.
In addition to the above, you can add a variety of optional coverages. This way, your policy will be tailored to handle all of your church’s distinctive insurance needs. The options can include the following:
- Lost wage coverage
- Key person replacement coverage
- Computer fraud coverage
- Flood coverage
Want to Know More?
Call us at 516.358.3612 or email firstname.lastname@example.org to learn more about coverage options. Our agents will help you find the right protection at the right cost and determine which coverages best meet your ministry’s needs.