One very good question is what exactly your Minneapolis Church Insurance cover. But surprisingly, this question is not asked enough. This could be the reason for confusion and misconception when it comes to filing a claim for a fair and reasonable compensation. Therefore, it helps to know that what are the areas that are covered under your church insurance so that you can receive a fair compensation in case of any unfortunate happening. It is also suggested to church managements that they should talk in detail with their respective insurance agency about their foremost needs and requirements so that it could offer the best plan for you that covers every aspect of your church and its services.
This article discusses about important things that you should get covered under your church insurance so that in event of any mishappening; you have the backing support of your insurance coverage. Here are things that your church insurance policy should include.
Protection Against Legal Action: There is a common feeling amongst some churches that they are immune from liability. The important think they seem to ignore is even if no wrong has been done from their end, they can still be sued and it will have to defend itself in the court. Lack of properly placed insurance coverage can result in hefty cost and much inconvenience to the church management. Church can be sued from anyone, including its employees, members, guests and other individuals. A general liability policy provides coverage against any claim of bodily injury or accusations of property damage.
Protection Against Property Damage: Every church owns property including building, artwork, pews, instruments etc, for which it needs church building insurance coverage. This type of insurance covers any type of partial or major damage to the church building due to events like fire, wind, earthquake, etc,. Your church insurance policy should have provision for church building, items inside it, and coverage for damages that put your services on hold.
Protection Against Accusations Of Sexual Abuse: With over 90% of sex offenders describing themselves as �religious�, there is a need of every church to get insured under a policy that allows itself to defend against the accusation of child sexual abuse. Since churches work with children, there is always a possibility of parents/ guardians accusing church’s staff and members of sexual abuse regardless of any wrongdoing occurred or not. No church insurance program should be without this provision.
Protection Against Workers Compensation: Like any other organization, church too has its own employees that are enrolled for providing their services and assisting in general operations. In case any worker sustains injury while performing church’s operations, you could be held legally liable for his injury and can be sued in the court. To safeguard against such incidents, it is extremely important that churches should purchase workers compensation under Minneapolis Church Insurance to be on the safer side in case any of its workers gets injured while doing his work.