Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Take me to Church | Houses of Worship Insurance Product Highlight

Published on October 3, 2017

There’s a lot that happens behind the scenes to make a church run smoothly. In many ways, running a church is similar to running a small business. Especially if the church is small, one pastor is often responsible for a huge variety of items — everything from sermon preparation to to visiting the sick to meeting with congregation members to managing the building and the budget… The list goes on and on.

According to a 2010 article in the New York Times, 90% of pastors work more than 50 hours per week. So for those in your area that strive those long hours to help the community, we want to make sure an unexpected “Act of God” (as we call it in the insurance world) doesn’t knock them off their ministerial feet.

We have wholesale church insurance markets to meet your insurance customers’ needs. But the need doesn’t end at the denominational Christian churches or the Catholic church — all Houses of Worship face similar needs, and our product offerings are here to offer the coverage they need.

In addition, here’s some helpful tips from churchexecutive.com to help your Church Insurance customers if they need to file an insurance claim after they’ve secured the appropriate church insurance coverage through you.

Houses of Worship Insurance Product Highlights

u General liability
u Property coverage
u Directors and officers and employment practices liability
General Liability:
u Pastoral professional coverage
Up to 30K Sq Ft and 1,000 Active Members (larger on a submit basis)
 Abuse and molestation (up to $2ML)
u Personal and advertising coverage
u Hired and non-owned auto liability coverage available
u No designation premises endorsement
u No general liability deductible
u Optional certain criminal or civil proceeding defense cost
reimbursement coverage
Property Features:
Building TIV up to 5ML (larger on a submit basis)
enhancements including: $25,000 (fine arts), $10,000 (signs),
$10,000 (transit), $5,000 (money and securities), $5,000
(employee dishonesty) and more
u Special cause of loss form
u Optional equipment breakdown – some carriers offer free boiler inspection
if required in your jurisdiction

Directors and Officers/Employment Practices
u Separate limits of liability for directors and officers and
employment practices liability claims (directors and officers
limit not eroded by employment claims)
u Full prior acts coverage
u Third party discrimination and harassment coverage
u Defense cost outside the limit of liability
u Data & Security (available)

Quote Houses of Worship Online HERE Now.

Or get a Phone Quote for either at 888-845-1626

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Quote Online Today.