Just like everything else that involves people, personal property, equipment, and the like as well as those that offer any type of service, churches too need to protect their organization. To achieve this, religious organizations in Texas such as synagogues, churches, and other structures for religious worship should have the right Texas church insurance to give them full coverage against any type of legal liability.
There are many kinds of church insurance that provide coverage and will protect the church from claims. This includes general liability insurance, property coverage, workers compensation insurance, business auto insurance, medical insurance, and a lot more. Call your insurance agency and inquire about their services.
Coverages Available Under Property Coverage
A church should consider getting property coverage as this covers the main place of worship including other additional premises that are used and owned by the religious organization. Under this type of Texas church insurance, other coverages are available. Contact your insurance agency so they can lead you to get the best church insurance and do not forget to ask for a free quote.
For maximum protection, other coverages under property coverage that you can choose from are crime insurance which offers protection for security as well as loss of money due to theft, alteration, forgery, or employee dishonesty; general liability coverage provides security for legal liability arising from property damage or injuries to other people. This liability insurance provides coverage for people who are on the church premises whether they are an employee, a volunteer, a staff, or a churchgoer.
Inland marine coverage is also part of this kind of insurance and this covers the church’s valuable possessions that can be transported from place to place. Church medical insurance is also another additional option and this provides coverage for injuries that occur on the church’s premises as a result of an accident due to a church activity.
More Texas Church Insurance Options
Hired and non-owned auto liability insurance is also another option that is worth keeping in mind. This covers a religious organization’s medical and liability coverage in the event that a legal liability occurs while using either a non-owned or a hired vehicle.
For a church to be covered against legal liability arising from wrongful acts due to the action of its members such as the trustees, directors, ministers, officers, or business administrators, the organization may purchase the directors, officers, trustees liability insurance.
Employment practices liability insurance on the other hand provides protection to the church involving its employees regarding matters such as sexual harassment, wrongful termination, and discrimination.
For the church to be protected against claims from sexual misconduct due to the acts committed by an employee or a volunteer, you may consider getting a sexual misconduct liability policy.
Medical Coverages Enhancements
Under the general liability policy, a church may add other medical insurance options such as school and daycare medical insurance and interscholastic athletic medical insurance. The latter offers excess payments of medical costs as a result of an accident arising from a scheduled and supervised activities of the church or another group acting for them.
Interscholastic athletic medical insurance offers excess payments of medical costs for injuries that have resulted from either participating, practicing, and instructing in athletic activities. If a church group wants to have maximum coverage for their church insurance, they can reach out to an insurance agent to learn more. They can also ask for a free quote to find out how much it will cost them.
Other products that may be available are long-term care, business auto policy, short-term and long-term disability, umbrella policy, group life insurance, workers compensation policy, coverage for dental and vision. Churches need a particular type of coverage depending on the kind of church they have. This can either be temple insurance, chapel insurance, synagogue insurance, or cathedral insurance.
Because Texas church insurance is a specialty type, not all insurance agencies provide this kind of coverage so it is best to contact an agency that offers this kind of protection. Protecting your church in Texas may cost a minimum of about $37 each month, so with this amount you are saving your church from liability.
Protect your ministry and your church organizations by asking for the right insurance for your church and get a quote fast and for free. Insurance agencies that offer this kind of insurance in Texas provide property and general liability coverage that comes with a customized package to best suit your church’s needs.
Church organizations certainly need to have the right type of protection to cover them against any liability in their specific risks. In Texas, this kind of insurance usually includes a liability policy for ministers and pastors that protects them from liability for providing spiritual counseling.
If the church has a cemetery on its property, it should consider getting a cemetery liability policy. This type of insurance covers them from claims due to damage that are filed by the family of the deceased.
Other insurances that are something to think about are fire insurance and flood insurance if your area is in a flood zone. Religious organizations in Texas that have daycare facilities should purchase daycare insurance as this covers them against injuries to children, negligent care, or failure to deliver certain services.
If they own a parochial school, they should consider having a teacher’s liability policy. Most insurances offer protection from theft, money, wrongful acts committed by the directors, officers, or its other members and also covers for other legal liabilities but these do not include protection for other types of property loss such as special audio equipment, tapestries, stained- glass windows and the like. For this, a separate policy is required.
Directors of religious groups should get the best policy not only to protect their property and their ministry but most especially their officers and other staff by getting a workers compensation policy.