As a church you have some very unique exposures with regards to liability. Oftentimes you are transporting people and children in vehicles owned or rented by the church. There are events held on and off site that the public and church members are invited to attend. People drop off children to be cared for by staff and volunteers during church services and events. Your church may have an elder or advisor board that helps make decisions for the church. Many are even taking tithe and offering via an online system. How is your current policy addressing these issues? You should be dealing with an insurance carrier and agent that are familiar with these exposures. When looking at your churches insurance and risk management program you should:
Consider the following:
- Hire and nonowned auto liability coverage
- Director’s and Officers liability coverage
- Sexual Abuse and Molesation coverage
- Cyber Liability coverage
At CHARIS insurance we have experience dealing with the exposures presented to churches and would love an opportunity to see if we can help your church protect itself, its members and the communities in which you serve.