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Pray for the best. Prepare for the worst.
Church insurance to cover what you've built.
Churches, synagogues, mosques, 寺庙不仅仅是做礼拜的地方，它们还是社区中心, employers, and oftentimes, homes. 我们提供定制的保险选项，以满足所有这些独特的需求.
Peace of mind when insuring a house of worship.
When insuring a house of worship, you need to think of it as a building, but also as a community center, an employer, and in some cases, a religious leader’s home. 这就是为什么专业的教堂保险是你财务平静的最佳途径.
What does church insurance cover?
For example, 一份好的教堂保险政策不只是照顾那些显而易见的成本，比如被盗造成的财产损失, vandalism, or natural disaster, but also the unexpected associated costs. 这可能包括在事故发生后进行维修时，必须更新建筑，以符合当地法规.
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Stained Glass Insurance
Risk Factor
Stained glass is often very valuable and sometimes priceless. 翻新彩色玻璃可能需要数十万美元. 如果它被破坏，冰雹，火灾，或其他方式，它可以是非常昂贵的修复. Finding a qualified contractor may also be challenging.
Solution
Depending upon your insurance coverage, an appraisal of your stained glass damage could be free of charge. In addition, 考虑包括彩色玻璃的价值在教堂的建筑限制, and also include coverage under the church’s blanket limit. 一些保险公司可能会把彩色玻璃当作艺术品的一部分. 无论哪种方式，这都有助于确保在发生不好的事情时获得适当的报道.
Abuse and Molestation Insurance
Risk Factor
每年都有数百起报告称有人被神职人员性侵, church staff, volunteers, and congregation members. Countless more are abused without any report being made.
Solution
获得适当的虐待或骚扰保险，以在指控发生时保护教会. In addition, 考虑准备一份书面文件，说明如何防止性虐待的发生，以及在指控发生时该怎么做.
Non-Owned Auto Insurance
Risk Factor
教会义工和员工经常使用私人车辆为教会工作.
Solution
确保将雇佣的和非所有的汽车保险添加到教堂的保险政策，以覆盖这一风险. 此外，检查机动车记录，看有没有人开过其他成员的车，尤其是小孩.
Religious Freedom Insurance
Risk Factor
教会有时有非常紧密的信仰，如果教会的信仰导致其他人感到不公正，这可能会使他们面临潜在的诉讼. 一个例子可能是教堂拒绝为同性婚姻举行婚礼，这导致了诉讼.
Solution
Consider adding religious freedom coverage. 这种保险可以在教会被起诉的情况下保护教会，因为教会的核心信仰是保守的.
Directors and Officers Liability Insurance (D&O)
Risk Factor
几乎所有教会都有某种形式的董事会，代表会众做出财务和运营决策. 一个组织曾经起诉一个教堂在宣传筹款活动时不当使用其商标财产. The total loss and defense costs totaled $400,000.
Solution
董事和官员责任保险保护教会的决策者免受诉讼和索赔. 该诉讼不是直接起诉个人，而是由教会的D&O policy. 大多数以志愿者身份服务于董事会的人应该在服务之前要求这个覆盖范围.
Church Roof
Risk Factor
Roof claims are the most common claims that churches face. 每年，由于风暴造成的损失通常会得到数十亿美元的赔偿.
Solution
确保你有适当的保险，并确认你的保险是完全重置价值. In addition, 确保您的保险政策包括更换费用的屋顶索赔的风和冰雹.
Church Security
Risk Factor
近年来，随着袭击事件的增加，教堂的安全问题变得越来越重要.
Solution
Every church should have a security plan. 该计划应详细说明在紧急情况下教区居民的去向, which entrances are open during worship times, who should contact the authorities, how to spot someone who may pose a security risk, and how to react to someone who is trying to cause harm to parishioners.
Professional Liability Insurance
Risk Factor
牧师经常为夫妇或其他教会成员提供咨询. 此外，牧师们可能会因为他们在布道坛上说的话而面临诉讼的风险.
Solution
When it comes to counseling, 在辅导的情况下，牧师应该有明确的指导方针. In addition, 牧师应该接受培训，知道在极端情况下需要向当局报告什么. 在你的教会的保险政策中加入职业责任险，可以帮助保护牧师和教会免受因牧师在讲坛或讲道时所说的话而引起的索赔或诉讼.
Most common coverage options for houses of worship.
宗教场所为其所面临的风险要求的保险类型是独特的. Ensuring that your house of worship is properly covered is important, 以下是一些可以添加到教会政策中的专业保险:
- Religious Freedom Insurance
- Directors and Officers Insurance
- Abuse and Molestation Insurance
- Stained Glass Insurance
- Professional Liability Insurance
- Non-owned Auto Insurance
The gaps that a specialized policy fills in.
普通保单可能不包括的保险项目清单很长. 例如，除颤器或大型游客群体所需的其他设备, the personal property of religious leaders, 甚至包括修理或更换彩色玻璃窗等物品的费用.
Coverage for the unexpected.
You can also get coverage for liability issues, travel risks on mission trips, 如果有必要更换宗教领袖，招募合适宗教领袖的成本.
想了解更多专业教会保险的选择，今天就im体育比分.
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