Some of the world’s finest structures are standing evidence of the strength of religious institutions. Wes Connor Insurance, an independent agency in Charlotte, North Carolina, is appointed by companies who specialize in insurance for our Churches, Mosques, and Synagogues.
The property market is in turmoil as of Q1 2024, and it is imperative to ensure that the assets owned by the church are protected. With tighter restrictions this year, reviewing your renewal with extra scrutiny is advised.
Some churches and religious organizations around the Charlotte, NC area are experiencing reductions in coverage or increases in deductibles/premium. Not all policies are created equally, even by the same company. We are here to help you decipher the details.
Property Considerations for Churches:
Whether you operate in a 100-year-old church, or your organization is in the midst of a building project, our agency can address all property considerations. We offer coverage for:
- Stained Glass
- Boiler Systems
- Parsonage
- Equipment
- Sculptures/Fountains
- Electronics/Projectors/Musical Equipment
- Newly acquired or constructed property
- Personal Property of others
- Vehicles/Trailers/Miscellaneous
Liability Considerations for Churches:
Due to the presence of children and the current socioeconomic climate, liability coverages need to be broad and inclusive for religious organizations. Wes Connor Insurance reviews every aspect of a church’s activities enabling the design of custom policies that address the specific needs of each entity. Some primary examples:
- Church Medical Expense
- Molestation and Kidnapping
- Consulting and Counseling – Professional Liability
- Crime
- Collections/Donations protection
- Daycare operations liability
- Employment Practices Liability (Discrimination)
- Hired/Non-Owned auto liability
- Considerations for security on premise/member security
The liability coverage should cover the whole spectrum of the religious organizations sponsored activities, and the insurance company selected will depend on the size and structure of the entity.
Churches and Religious Organizations – Other Considerations:
Insurance companies want to understand their client to the best of their ability. Part of understanding a church is noting the sponsored programs. While none of the programs following inhibit coverage, special accommodations within the policy wording may be required:
- Boy and Girl Scouts
- Daycare operations
- Alcoholics Anonymous
- Special Events
- Mission Trips
- Space rented/provided to other groups
Wes Connor Insurance is in Charlotte, NC, however we can write coverage in all 50 states. We believe in transparent service and want our clients’ success to lead ours. Call us today and begin with a light conversation! Ask us a few questions or go ahead and ask for a quote. We are here to help in the manner that best serves you at the moment.
