Like homeowners insurance, standard property and general liability insurance can cover issues associated with the physical church building and the items inside it. However, Craig Massee Insurance Agency notes that important coverage areas are often overlooked when it comes to church insurance. Understanding the unique risks that churches face, this Baldwin County insurance company encourages anyone leading a place of worship to look carefully into their coverage options. Doing so can help your church stand strong and continue to maintain its service to the community. If you’re looking into church insurance, make sure you consider coverage needs for:
- Employees: Although churches do gain certain benefits as religious institutions—such as tax exemption—many states, including Georgia, require them to have worker’s compensation coverage if they have employees. This is necessary to help protect you if a staff member is injured on the property and needs medical costs taken care of and pay as they recover.
- Special Events: Whether you host a charity potluck or sponsor a church baseball league, incidents that occur during special events may not be covered under your liability policy. Before you buy church insurance, discuss your functions with an agent and find out if an umbrella insurance policy will provide the coverage you need.
- Vehicles: If you operate a church van or bus, you’ll certainly want to add auto insurance to your policy. But even if you don’t have church-owned vehicles, you may want to add it. If employees or volunteers use their vehicles for church purposes, you may be held accountable for certain accidents.
When you buy church insurance, it’s a good idea to work with a local agency that understands the needs of the community and the specific risks that may impact your property. Based in Milledgeville and Eatonton, GA, Craig Massee Insurance Agency can help you pinpoint the best types of coverage for your congregation and develop a policy that will work for your budget. To schedule an appointment with a friendly agent, call (478) 452-3539.