Church Insurance

Churches are at the heart of the community. Places for the public to gather, and home to countless historical treasures and local heritage, they also carry a range of potential risks that should be insured against. Church insurance needs are complex and varied and, as a result, the insurance package needs to be tailored to the unique requirements of each church community.

Comprehensive church insurance will usually contain a number of different components. The most important of these are:

Public Liability insurance

A church is a place of worship, but it can also serve a wide variety of other functions, many of which involve members of the public. Weddings, funerals, baptisms, and community functions regularly take place both within the church and in other church buildings, such as the parish hall.

Public liability insurance protects you from costs arising from claims brought by church members, visitors, or other members of the public as a result of personal injury or property damage.

Church buildings cover

Protecting your church building against the costs associated with a damaging incident is crucial. With churches often being old, and requiring specialist skills and material for their repair, putting right any damage can be costly. Church buildings cover ensures that you can put right the damage without emptying the coffers.

Church contents cover

Churches contain valuable items, some of which are old and irreplaceable, making them a target for criminals. If the contents of your church are stolen, damaged, or vandalised, then church contents cover will pay out for the repair or, where possible, their replacement.

Church officers indemnity

Church officers are often volunteers but are charged with a range of responsibilities for both public safety, welfare, financial management, and the maintenance of the building. If they make an error of judgment through no particular fault of their own, then they may be liable for a claim against them. Church officer indemnity insurance gives your officers the protection to carry out their duties without fear.

Events Insurance

Whether it’s an Alpha Course, a community outreach event, music concert, amateur dramatics, or other performance, staging an event in your church buildings carries a range of associated risks. Events insurance protects organisers from unexpected costs that could arise from the event.

Other components that might be included

There is a range of other types of cover that can be included in comprehensive church insurance. Every church has different requirements depending on their building, location, and activities. Some of the types of cover that can be included are; cover for congregations that don’t own a building, counselling and advice cover, rectory/vicarage/manse cover, foodbank insurance, minibus cover, employer’s liability cover, group travel cover, and abuse cover.