Church & Religious Organization Insurance in Pennsylvania

A church’s duty is to its congregation. What this means is that one of your church’s key responsibilities is to protect the financial health and well-being of your ministry. It is your ministry's obligation to maintain a safe and welcoming facility where the community can gather to worship at all times.

One of the ways to protect the church a without losing sight of its mission, is to buy a church insurance policy. Should disaster strike, church insurance policies provide a safety net which will aid your congregation both physically and emotionally.

Carriage Trade has, for nearly 20 years, committed to helping Christian churches manage costs, increase and improve loss prevention, and ensure that you receive the most value and coverage for your money.

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 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.

Here are a few pointers about property and liability coverage to help you learn a little more about the coverage options your church has:

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

In addition to your property and liability coverage, it may be beneficial to add commercial auto insurance and workers compensation to your policy for added protection. To customize your policy as per your church’s needs, you can also add a variety of coverage options which include:
  *   Lost wage coverage
  *   Key person replacement coverage
  *   Computer fraud coverage
  *   Flood coverage

If you want to learn more about church insurance, contact us today at 516.358.3612 or mjakob@carriagetradeinsurance.com. Our agents will gladly work with you to determine which policies best meet your ministry’s earthly needs, so that you can keep your focus on the spiritual stuff.