This All-In-One Package is designed to meet the needs of your small house of worship operations. The product specializes in covering small community, start-ups, storefront or inner city operations for all types of religious faiths and denomination.

Ineligible Houses of Worship
Please note we cannot offer coverage to the following:
  • Prison or health care ministry
  • International mission trips
  • Schools - kindergarten or higher (Sunday school and child care centers are acceptable)
  • Retreat centers
  • Construction services provided
  • Prior or current sexual or physical abuse claims or incidents
  • Risks Located in AK, LA or WV

​Available Coverage for Houses of Worship
General Liability
  • Pastoral Professional Coverage (up to 1,000,000 limits)
  • Abuse and molestation sublimit at no additional cost
  • Personal and advertising coverage
  • Hired and non-owned auto liability coverage available
  • No assault and battery exclusion
  • No designated premises endorsement
  • No general liability deductible

Property
  • Value plus endorsement – 14 valuable coverage enhancements including;
    • $25,000-fine arts
    • $10,000-signs
    • $10,000-transit
    • $5,000-money and securities
    • 5,000-employee dishonesty, and more
  • Special cause of loss form
  • Optional equipment breakdown - includes free boiler inspection if required in your jurisdiction

DIRECTORS & OFFICERS/EMPLOYMENT PRACTICES FEATURES:
  • Separate limits of liability
  • Unlimited defense costs outside the limit
  • Full prior acts
  • Automatically includes third party discrimination and harassment
  • Lifetime occurrence reporting period for former directors and officers
  • Free human resources hotline with unlimited number of calls and no time limits (when EPL is purchased)

Coverage Limits Available for Houses of Worship
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Pastoral professional up to $1,000,000/$1,000,000
  • Abuse and molestation of $100,000/$300,000
  • Property values up to: $3,000,000 in non-coastal zones (protection class 1-8), $250,000 in non-coastal zones (protection class 9-10) or $500,000 in coastal zones (wind/hail restrictions apply)
  • Nonprofit directors & officers liability and employment practices liability limits up to $5,000,000