Does your Michigan Church need Insurance?
If your church is in Michigan and you need to insure it, we can help. Your Michigan church is a crucial part of your community, and we understand the importance of protecting it. We offer specialized insurance packages for houses of worship and religious organizations, tailored to your unique needs and circumstances.
One of the most important aspects of church insurance is property coverage. Whether you own or rent your building, our church insurance protection can cover the building or its contents.
Michigan Church Insurance Property Coverage
Property coverage includes your buildings, contents, signs, property in the open, and fences. Your policy will automatically include coverage for standard items, along with any non-standard property, such as the following:
- Equipment breakdown, including computers, boilers, and electrical equipment.
- Pastor’s personal property.
- It has stained glass windows.
Michigan churches can purchase insurance plans to help them repair or replace property damaged or lost in a fire, theft, or wind storm. Generally, there are two types of property protection coverage: market value and replacement cost.
- Market value plans: usually have a lower monthly premium and reimburse you for the damaged property’s depreciated value.
- Replacement cost plans: These plans have higher costs, but should property damage occur, you can replace the items with new ones at the current market cost.
Our church insurance plans cover a variety of items, including:
- The church building: can include fixtures (lighting) and furnishings (pews, appliances, toilets, etc.).
- The Church property: The property might include your sound or amplification system and the computer network you likely use to manage services.
- Supplies: These might include Sunday School textbooks, Bibles, paper, pens, choir robes, candles, recreational equipment, etc.
However, some Michigan churches may have unique items that require special endorsements to ensure they are covered. These items may include fine art, stained glass, ornamental woodwork or tiles, musical instruments, and more.
Michigan Church Liability Coverage
In addition to property coverage, we also offer comprehensive liability coverage that protects your church against claims of bodily injury or property damage arising from its premises or operations for which it may be legally liable. It also covers liability for personal and advertising injury offenses, such as libel and slander. Church members, employees, officials, staff, and volunteers acting on behalf of the church will have general liability protection, ensuring peace of mind for your church community.
Michigan Church Optional coverage:
- Non-owned and hired auto liability
- Directors, officers, and trustees officers liability: If a board of directors or officers runs your church or religious organization (e.g., a church council, a committee of elders, a board of ministry, etc.). This endorsement protects your church from claims against a director, officers, or board member made on behalf of the church.
- Church vehicles may need separate coverage.
If your church has employees, the church Insurance will not cover workers’ compensation if those employees have an injury. You will need a separate policy to cover the employees. Please click the worker’s compensation link for more information on what a Michigan worker’s compensation policy provides.
To start a Michigan church policy or to learn more, please call us at 248-277-4505, or visit our website to get a Michigan Church Insurance quote.
