Gurdwara Insurance

Unfortunately, Gurdwaras as with other religious buildings can sometimes be targeted by criminals. Damage to busy buildings can also occur and if a worshipper or member of the community is injured on Gurdwara property it could lead to a compensation claim.

Gurdwara are unfortunately vulnerable to theft, vandalism or accidental damage. If this happens, would Gurdwara activities be able to continue and could you afford the costs incurred?

If the Gurdwara were to suffer due to structural damage or fire, you may lose access to income from hosting events for the community and visitors. There’s also a need to protect against the risk of personal injury to worshippers and members of the community as compensation claims can be considerable.

Gurdwara insurance can be tailored for the individual needs of the building and community, providing protection for the Gurdwara, trustees, congregation, volunteers and visitors.

Gurdwaras are home to a range of different assets. Typically, these carry a substantial value, and if you are a trustee then these are yours to protect. In order to fulfill the duties of a trustee you will need financial support to cover the cost of any damage or losses to your building or content.  Not only are there the material aspects of the Gurdwara to consider, there’s also the human aspect to think about.

Because of this, Gurdwara insurance will usually contain a range of different components. The principal aspects of a comprehensive Gurdwara insurance package might include:

Public liability insurance is essential for places of worship. As large numbers of people use the Gurdwara, there is always the risk of both personal injury and property damage. Public liability insurance protects from any costs that arise from claims brought by members of the congregation, visitors or other members of the public. As these claims can range from small to high it’s important that you have cover so you’re not left vulnerable.

All buildings are subject to wear and tear, and Gurdwaras are no exception. When your building needs repairs the costs can be considerable, particularly if damage uncovers more substantial structural issues. It’s not only the building itself, which is valuable, the contents of the building are also vulnerable to theft. Any Gurdwara should therefore have both contents and buildings cover that protect against damage to the building or theft and damage to its valuable contents.

The trustees of the Gurdwara will have to take a range of decisions over the financial management, material aspects of the building and Gurdwara activities. Sometimes mistakes happen and can lead to claims against the Gurdwara. Trustees liability cover protects trustees and the Gurdwara in the event of a claim against them.