Church Insurance
As a church leader, you know the importance of quality, integrity and dependability.
Your congregation expects these qualities in you, and you have every right to expect the same qualities from your church insurance provider. That’s why Buckner Insurance is proud to offer the latest in comprehensive Church Insurance Protection. We’ll provide the peace of mind you need and the coverage you deserve.
Policy Highlights Include:
• Property Insurance
• Accounts Receivable - $15,000
• Appurtenant Structures - 10% of the limit of insurance, or $20,000, whichever is less, applies to appurtenant structures and utility buildings.
• Building and Personal Property at Newly Acquired Premises - $500,000 and 180 days
• Business Income and Extra Expense for Actual Loss Sustained for 12 Months
• Business Personal Property Off-Premises - $15,000
• Church property in dwelling quarters maintained for use by an employee - $2,500
• Debris Removal - 25% + $25,000
• Employee Dishonesty and Faithful Performance Coverage - $10,000
• Equipment Breakdown Coverage - Our policy protects your church against the breakdown of mechanical, electrical and production
equipment due to electrical disruption, power surges and short circuits, as well as steam boiler explosions.
• Exterior Stained Glass, Plate and Other Glass - included as part of building limit
Liability
• Business Liability per Occurrence - up to $2 million
• Policy Aggregates - up to $4 million
• Personal and Advertising Injury - up to $2 million
• Contractual Liability
• Damage to Premises Rented to You - $150,000 for real property
• Premises Medical Expense - $5,000 per person, subject to each occurrence limit. Any person or church member is also included while taking part in a church-sponsored event or while donating labor.
• Automatic Liability Coverage for Newly Acquired Premises or Organizations - up to 90 days
• Host Liquor Liability
• Church Members, Clergy, Church Officials, or any Member of the Board of Trustees or Governors are insured while acting within the scope of his or her duties.
• Voluntary Property Damage - $5,000
• Limited Worldwide Liability
• Comprehensive Identity Management Services
• Fences, Light Standards and Poles - $10,000
• Fire Department Service Charge - $5,000
• Fire Extinguisher Recharge - $5,000
• Forgery or Alteration - $2,500
• Increased Cost of Construction Due to Ordinance or Law - $10,000
• Money and Securities - $5,000 on-premises/$2,000 off-premises, with doubled protection on certain religious holidays
• Money Orders and Counterfeit Paper Currency - $1,000
• Outdoor Signs, Whether Attached or Unattached to Buildings - $5,000
• Personal Effects on the Insured Premises - $10,000
• Replacement Cost Coverage - Business Personal Property is covered on a replacement cost basis, which covers the cost to repair or replace damage to property with like quality and no depreciation deduction. Building coverage can be written on Replacement Cost, Functional Replacement Cost or Actual Cash Value (ACV).
• Reward Payment - $5,000
• Tenant’s Improvements and Betterments - included in the Business Personal Property limit
• Valuable Papers and Records - On Premises - $10,000
• Valuable Papers and Records - Off Premises - $5,000
• Water Back-Up & Sump Pump Overflow - $5,000
Most of the coverages included can be increased and other coverages added to round out your policy. Customize a policy that’s right for your church.
Your agent will help you customize a policy to fit the needs of your church. You’ll find a wide choice of convenient billing options and you can tailor, or “package”, your policy to include coverage for additional insureds, increased liability limits, increased property limits and other coverages such as:
• Counseling Professional Liability
• Sexual Acts Liability
• Employment Practices Liability
• Personal Coverage Endorsement - Provides special personal property coverage on a replacement cost basis, personal liability coverage, and medical payments to others coverage (similar to an HO-4 policy) for minister(s) or other church employees.
• Directors, Officers & Trustees Liability
• Hired and Non-Owned Auto Liability
• Hired Auto Physical Damage
• Liability and Physical Damage for Church Vehicles
• Umbrella Liability
• Workers’ Comp (Indiana Only)
Your congregation expects these qualities in you, and you have every right to expect the same qualities from your church insurance provider. That’s why Buckner Insurance is proud to offer the latest in comprehensive Church Insurance Protection. We’ll provide the peace of mind you need and the coverage you deserve.
Policy Highlights Include:
• Property Insurance
• Accounts Receivable - $15,000
• Appurtenant Structures - 10% of the limit of insurance, or $20,000, whichever is less, applies to appurtenant structures and utility buildings.
• Building and Personal Property at Newly Acquired Premises - $500,000 and 180 days
• Business Income and Extra Expense for Actual Loss Sustained for 12 Months
• Business Personal Property Off-Premises - $15,000
• Church property in dwelling quarters maintained for use by an employee - $2,500
• Debris Removal - 25% + $25,000
• Employee Dishonesty and Faithful Performance Coverage - $10,000
• Equipment Breakdown Coverage - Our policy protects your church against the breakdown of mechanical, electrical and production
equipment due to electrical disruption, power surges and short circuits, as well as steam boiler explosions.
• Exterior Stained Glass, Plate and Other Glass - included as part of building limit
Liability
• Business Liability per Occurrence - up to $2 million
• Policy Aggregates - up to $4 million
• Personal and Advertising Injury - up to $2 million
• Contractual Liability
• Damage to Premises Rented to You - $150,000 for real property
• Premises Medical Expense - $5,000 per person, subject to each occurrence limit. Any person or church member is also included while taking part in a church-sponsored event or while donating labor.
• Automatic Liability Coverage for Newly Acquired Premises or Organizations - up to 90 days
• Host Liquor Liability
• Church Members, Clergy, Church Officials, or any Member of the Board of Trustees or Governors are insured while acting within the scope of his or her duties.
• Voluntary Property Damage - $5,000
• Limited Worldwide Liability
• Comprehensive Identity Management Services
• Fences, Light Standards and Poles - $10,000
• Fire Department Service Charge - $5,000
• Fire Extinguisher Recharge - $5,000
• Forgery or Alteration - $2,500
• Increased Cost of Construction Due to Ordinance or Law - $10,000
• Money and Securities - $5,000 on-premises/$2,000 off-premises, with doubled protection on certain religious holidays
• Money Orders and Counterfeit Paper Currency - $1,000
• Outdoor Signs, Whether Attached or Unattached to Buildings - $5,000
• Personal Effects on the Insured Premises - $10,000
• Replacement Cost Coverage - Business Personal Property is covered on a replacement cost basis, which covers the cost to repair or replace damage to property with like quality and no depreciation deduction. Building coverage can be written on Replacement Cost, Functional Replacement Cost or Actual Cash Value (ACV).
• Reward Payment - $5,000
• Tenant’s Improvements and Betterments - included in the Business Personal Property limit
• Valuable Papers and Records - On Premises - $10,000
• Valuable Papers and Records - Off Premises - $5,000
• Water Back-Up & Sump Pump Overflow - $5,000
Most of the coverages included can be increased and other coverages added to round out your policy. Customize a policy that’s right for your church.
Your agent will help you customize a policy to fit the needs of your church. You’ll find a wide choice of convenient billing options and you can tailor, or “package”, your policy to include coverage for additional insureds, increased liability limits, increased property limits and other coverages such as:
• Counseling Professional Liability
• Sexual Acts Liability
• Employment Practices Liability
• Personal Coverage Endorsement - Provides special personal property coverage on a replacement cost basis, personal liability coverage, and medical payments to others coverage (similar to an HO-4 policy) for minister(s) or other church employees.
• Directors, Officers & Trustees Liability
• Hired and Non-Owned Auto Liability
• Hired Auto Physical Damage
• Liability and Physical Damage for Church Vehicles
• Umbrella Liability
• Workers’ Comp (Indiana Only)
