Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Time for Church | Church Insurance Product Highlight

Published on March 22, 2016

photo credit: Palm Sunday via photopin (license)

photo credit: Palm Sunday via photopin (license)

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 (see below for product highlights). In addition though, 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.

What to have ready

Because each insurance claim is unique, there isn’t one set list of information you should have prepared for your adjuster. Here are some tips on what to have prepared for common types of claims:

Theft: Date of loss; damages sustained; items missing; police report case number; and ownership documents.

Fire: Location of fire; damages sustained; Fire Department involved; and cause of the fire.

Lightning: Date and time of loss; direct strike damage, such as building, trees, etc.; items damaged; detailed evaluation forms from repair technicians noting the cause of damage; and estimated cost of repairs or replacement.

Roof Damage: Loss location; type of damage; indication of interior leaks; age and type of roof; cause of loss; indication of emergency repairs needed; estimate of repairs, if available; and indication of past repairs or claims.

Water Damage: Confirmation of water main turned off; indication of fresh water or sewage; approximate square footage of area affected; and source of the water.
Be prepared with as much detail as possible regarding your claim. The more information you have ready, the less your adjuster will be required to follow up — and the quicker the process will be completed.

Making the process easier

Handling a loss at your church can be challenging. With the teamwork of the church, insurance company and insurance adjuster, returning to pre-loss operating conditions can be easier. When initially filing your claim, be sure to include all relevant contact information to ensure the adjuster can easily and quickly reach you. Also, identify your preferred method of how they can contact you. Be patient with the adjuster, but also prompt in offering information when it’s requested.

Gaining a better understanding of insurance claims and what it takes to resolve an issue can be helpful in getting your organization through a loss. Remember to be patient and work as a team with your adjuster, and the feelings of stress and worry will disappear.

Church Insurance Product Highlights:

  • Can Consider risks with:
    • Churches of all denominations
    • Up to 30,000 Sq Feet
    • Up to 1,000 active members
    • Parsonages/dwellings for the Pastor
    • Youth Camps or Youth Community Centers
    • Thrift Stores
    • Soup Kitchens or Food Banks
    • Shelters
  • Counseling Services Professional Liability — up to $1M in limits
  • Abuse & Molestation Liability — Up to $1M/2M in limits
  • Employment Practices Liability — Up to $100,000 in limits
  • Foreign Liability
  • Church members are automatically included as additional insureds

Submit Your Church Insurance Risk HERE Now!


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.

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