This All-In-One Package is designed to meet the needs of your small house of worship operations. The product specializes in covering small community, start-ups, storefront or inner city operations for all types of religious faiths and denomination.

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Ineligible Houses of Worship

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Please note we cannot offer coverage to the following:

• Prison or health care ministry

• International mission trips

• Schools - kindergarten or higher (Sunday school and child care centers are acceptable)

• Retreat centers

• Construction services provided

• Prior or current sexual or physical abuse claims or incidents

• Risks Located in AK, LA or WV

• Property coverage in FL (unavailable with this product)

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Available Coverage for Houses of Worship

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General Liability

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• Pastoral Professional Coverage (up to 1,000,000 limits)

• Abuse and molestation sublimit at no additional cost

• Personal and advertising coverage

• Hired and non-owned auto liability coverage available

• No assault and battery exclusion

• No designated premises endorsement

• No general liability deductible

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Property

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• Value plus endorsement – 14 valuable coverage enhancements including;

  • $25,000-fine arts

  • $10,000-signs

  • $10,000-transit

  • $5,000-money and securities

  • 5,000-employee dishonesty, and more

• Special cause of loss form

• Optional equipment breakdown - includes free boiler inspection if required in your jurisdiction

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DIRECTORS & OFFICERS/EMPLOYMENT PRACTICES FEATURES:

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• Separate limits of liability

• Unlimited defense costs outside the limit

• Full prior acts

• Automatically includes third party discrimination and harassment

• Lifetime occurrence reporting period for former directors and officers

• Free human resources hotline with unlimited number of calls and no time limits (when EPL is purchased)

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Coverage Limits Available for Houses of Worship

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• General liability up to $1,000,000 occurrence/$2,000,000 aggregate

• Pastoral professional up to $1,000,000/$1,000,000

• Abuse and molestation of $100,000/$300,000

• Property values up to: $3,000,000 in non-coastal zones (protection class 1-8), $250,000 in non-coastal zones (protection class 9-10) or $500,000 in coastal zones (wind/hail restrictions apply)

• Nonprofit directors & officers liability and employment practices liability limits up to $5,000,000

  

 

Claim Example for Houses of Worship

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Non Profit Directors & Officers: A church elder breached his duty of loyalty by organizing a majority

of the congregation into a separate church that ousted the remaining congregation from church

property. The elder held secret meetings among his supporting faction and prepared legal documents

to transfer the property, all without informing the church’s pastor of his plans. The court ruled that

the elder owed a duty to the whole congregation, and could not favor the interests of the majority

over the minority. As a result, the property was returned to the original congregation and money

damages were assessed personally against the elder. With its membership growing rapidly, a

church’s board of directors appointed a New Building Committee to find land for a larger church.

The board selected one of its members to head the committee. That director steadily pressed the

committee to approve purchase of a land parcel viewed by the other committee members as pricey,

but otherwise perfect. After much discussion, the committee approved the purchase, and the transaction was completed. It was then discovered that the committee head had a financial interest in the property. Several congregants took action and named the committee head and the overall board in a lawsuit alleging improper self-dealing, negligence and fraudulent conduct.

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Property: A fire destroyed a church sanctuary, and resulted in smoke and water damage to the structure and contents of the administrative office. In addition to replacing fixtures, furnishings, equipment and inventory, the church needed to rent space for worship services until the sanctuary was rebuilt.

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Employment Practices Liability: The Director of Children’s Ministries was terminated and replaced. Her successor was a younger Caucasian male, whom she believed was being paid more than she was. She files suit with the EEOC against the Ministries, alleging racial discrimination, age discrimination, sex discrimination, and pay discrimination.

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General Liability: After the religious service, a congregant tripped on a crack in the concrete and tumbled down an outdoor flight of stairs, resulting in a concussion. A volunteer was decorating the church for a social gathering. While she was standing on a chair to arrange the decorations, she lost her balance and fell resulting in severe arm injuries.

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Pastoral Professional: The wife of a married couple sought counseling services from their pastor due to being physically abused in the household. The victim was contemplating divorce and sought advice. The pastor encouraged the wife to stay with her husband due to the sanctity of marriage in God’s eyes and to seek couples counseling. As a result, the wife went back to the abusive relationship and was later hospitalized with severe injuries from her husband. She then sued the church and pastor stating that as a result of the counseling advice she stayed in the unhealthy marriage which led to her injuries.

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Abuse & Molestation: A Sunday School Teacher was accused of sexually molesting a teenager after a bible study session. The teacher quickly denied the charges but was forced to step aside pending a church investigation. After a thorough inquiry, the alleged victim’s credibility crumbled when it was reported that she had a long history of inventing stories about herself and others. Moreover, parents and students who knew the teacher offered evidence that raised serious doubts that the molestations could have occurred. After an exhausting investigation, the teacher was eventually reinstated to his duties. The cost alone of defending allegation with no merit was costly.

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Equipment Breakdown: A cracked section of a cast-iron boiler resulted in replacement of the boiler resulting in $9,000 of property damage and worship services had to be relocated to an available facility nearby for an extra expense of $1,500.

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You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.