Churches and Houses of Worship have similar
exposures to unexpected losses as any other property owner.
There are different
types of structures such as Church buildings, Parsonages, Schools, utility sheds, gymnasiums and garages. Furthermore,
there are many types of Contents - furniture, musical instruments, equipment, vehicles and other property that is owned
or leased by the Church.
Also, there are various liability exposures that a Church faces - Premises Liability for slip and falls,
Pastoral Liability for advice and counseling, Operational Liability for events off premises and Directors and Officers Liability
for the Trustees making administrative decisions for the Church. Furthermore, many Churches own Cars, Vans and School Buses
and need Auto Liability and Physical Damage coverage, and for their employees, a Church needs Workers Compensation.
The Covenant Agency, LLC - "A
Commitment of Coverage, A Promise of Protection and an Agreement of Affordability"