Congregations open their doors to the public, run on volunteers, and hold property that would be hard to replace. Most also run programs for children — an exposure general liability may not answer on its own.
Youth ministry, Sunday school and childcare during services all create abuse and molestation exposure, which standard general liability policies exclude.
A building open to the public for worship, events and community use carries continuous premises exposure.
Historic buildings, organs, stained glass and fixtures often cost far more to restore than a standard replacement-cost figure assumes.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
