Does your Michigan Church need Insurance?
Your Michigan church is vital to your congregation and the surrounding community. Michigan church insurance provides a specialized package of insurance coverages that protect houses of worship and religious organizations.
One of the essential parts of church insurance is property coverage. The church insurance protection is vital in covering either your building or the contents inside. This coverage is critical if you rent or own the building in which you operate your church.
Michigan Church Insurance Property Coverage
Property coverage includes such items as 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 that can help churches repair or replace property damaged or lost in a fire, theft, or wind storm. Usually, there will be two types of property protection coverage: market value and replacement cost.
- Market value plans: usually come with a lower monthly premium and reimburse you for the damaged property’s depreciated value.
- Replacement cost plans: cost a bit more, but should property damage occur, you can replace the items with new ones at the current market cost.
Here are some things a church insurance plan can cover:
- The church building. For example, it can include fixtures (like lighting) and furnishings (like 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.
Michigan churches may have fine art items (such as paintings, tapestries), stained glass, ornamental woodwork or tiles, musical instruments (pianos, organs or drums), and other items that may not have coverage under a standard church policy. Because of this, you may want to add special endorsements to your church insurance policy to make sure these items are covered.
Michigan Church Liability Coverage
General Liability coverage protects the church against claims of bodily injury or property damage arising out of its premises or operations for which the church may be legally liable. It also protects the church against liability for personal and advertising injury offenses, such as libel and slander.
Those afforded General Liability protection include church members, employees, officials, staff, and volunteers acting on behalf of the church.
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, your church insurance will not cover worker’s compensation if your employees have an injury at the church. Usually, the church will need a separate policy. Please click our worker’s compensation link for more information on the coverage provided by a Michigan worker’s compensation policy.