All houses of worship – churches, temples, synagogues, mosques, and chapels – require church insurance to cover the costs associated with the variety of risks they face. From worship services and rental hall operations for weddings to community-related programs for youth, the elderly, and disabled, to crime-related exposures resulting from expensive audio systems and musical instruments, ornate woodwork, and stained-glass windows, the variety of exposures places of worship face are not restricted to Sunday services.
For instance, if an unexpected event like a fire or vandalism should damage your place of worship or one of your parish members slips, falls, and is injured on your property, they could sue you for third-party bodily injuries.
Church insurance coverage can keep your property and its contents safe. Without it, damages or losses can prove to be financially devastating, especially if an accident or incident on the property escalates to a third-party lawsuit.