Church Insurance

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Tampa Church Insurance

Operating a church or house of worship is a complex undertaking. You provide your congregation with spiritual guidance, peace of mind, community, and at times even a place to feel safe and protected. For Expert Assistance, contact us today!

Property Coverage

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Extra Property Coverage, can automatically include lightening, wind, fire and hail, as well as many non-standard items such as:

  • Equipment Breakdown, including computers, boilers and electrical equipment.
  • Newly acquired or constructed property.
  • Personal effects and property of others.
  • Pastor’s personal property.
  • Ordinance or law.
  • Indirect Loss.
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Other coverages available under the property coverage are:

  • Crime – Provides protection for money and security losses resulting from theft, employee dishonesty, and forgery and alteration.
  • Inland Marine – A broad type of insurance that covers valuable possesions that may be transported from one place to another.
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General Liability Coverage

General Liability insurance covers the church’s legal liability resulting from injuries to people or damage to their property.

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Church Medical

Provides primary payments for injuries occurring on your premises, and for accidents resulting from church activities away from your premises.

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Liability options available:

  • Hired and Non-Owned Auto Liability – Provides excess liability and medical coverage for the church should legal liability arise out of the use of a non-owned or hired auto.
  • Directors, Officers and Trustees Liability – Provides coverage for wrongful acts of church directors, officers, trustees, business administrators and ministers.
  • Employment Practices Liability – Employment practices liability covers a church in areas relating to employment including discrimination, wrongful termination and sexual harassment.
  • Sexual Misconduct Liability – Provides coverage that protects a church from legal liability arising from acts of sexual misconduct by a staff member or volunteer.
  • Employee Benefits Liability – Provides coverage on negligent acts, errors or omissions arising out of the administration of employee benefits program.
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We also have the following medical coverages that are enhancements on policies under your general liability medical coverage:

  • Day Care and School Medical – Provides excess payments of medical expenses for accidents resulting from activities scheduled and supervised by your church or on its behalf.
  • Interscholastic Athletic Medical – Provides Excess payments of medical expenses for accidents that might result from practicing, instructing, and participating in athletic events.
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Additional Products Available

  • Business Auto Policy
  • Umbrella Policy
  • Workers’ Compensation Policy
  • Dental
  • Vision
  • Group Life
  • Short Term Disability
  • Long Term Disability
  • Long Term Care
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