• Insurance
• Types of Insurance
• Property Insurance
• General Liability
• Sexual Misconduct Liability
• Pastoral Professional Liability
• Workers' Compensation
• Umbrella Liability
• Minister's Personal Liability
• Employee of Volunteer Dishonesty
• Automobile Liability
• Directors and Officers
• Employment Practices Liability
• Comparison of insurance companies
• Recommended Minimum Standards of Property & Liability Insurance for Churches, Presbyteries and Synods
• Property
• Liability
• Suggestions for Accounting Procedures to Reduce Susceptibility to Loss
• Suggestions for Property Lease Procedures to Reduce Loss
• Federal Bus Regulations
• Arson and Bombing Attacks on Churches
• Arson Prevention
• Arson Prevention Checklist -
• Insurance Resources
• Insurance Pamphlets and Brochures
• Other Useful Risk Management/Insurance Forms
• Church Contents Inventory -
• For Your Records -
• Safe Conditions and Practice Survey: A Self-Inspection Guide -

This is a general comparison through information supplied by the three insurance companies or programs that provide coverage to at least 10 percent of the Presbyterian Church (U.S.A.) churches. For additional information regarding the insurance companies or programs, please contact the individual representatives.

It is not the intent of Presbyterian Church (U.S.A.) Office of Risk Management Services to limit your search for insurance to the three listed insurance companies or programs.  Many good insurance companies and programs exist throughout the insurance industry. [Read more]

1. Buildings and Contents at Appraised Replacement Cost as an agreed value endorsement.
   1. Eighty percent Coinsurance: an alternative to agreed value, offered by some companies as a percentage of appraised value, providing coverage up to fixed limits.
   2. Special Form: the broadest coverage available, normally including fire, vandalism, sewer back-up, theft of property, and so on, unless specifically excluded, or deemed not necessary by an insurance professional.
2. Supplemental Coverage: off-premise coverage, newly acquired property, debris removal, rebuilding to code requirements, necessary demolition of building, personal property of ministers and others, stained glass, organ, other musical instruments, art work, valuable papers, loss of business income, and related extra expenses.
3. Boiler and Machinery: as boiler and machinery types require, including all related expenses, spoilage, and similar costs.
4. Earthquake, where appropriate for geographical area, is written separately unless specifically stated in policy.
5. Flood, where appropriate, is also written separately, and may be offered with state or federal assistance.

Note: Churches should be inspected periodically because of policy exclusions, such as mold, lead paint, and asbestos for which many insurance companies may not provide coverage.

1. General Liability: $1,000,000 per claim/occurrence, $2,000,000 aggregate; covers most risks, including products; bodily injury; property of others; $10,000 no fault medical payments including volunteers, and athletic activities; contractual liability; fire legal liability at $100,000 limit; day nursery/child care; pastoral professional liability and sexual misconduct coverage at $1,000,000 limit.
2. Umbrella Coverage: $10,000,000 per occurrence or aggregate, in excess over primary limits of general and automobile liability; review of coverage by insurance professional for additional excess limits.
3. Automobile: $1,000,000 per occurrence or aggregate, including uninsured and underinsured motorist protection; $10,000 medical coverage; personal injury protection in states where applicable; hired and nonowned coverage to policy limits.
4. Workers' Compensation: As required in each state, including pastors and all employees.
5. Directors and Officers: $1,000,000 per claim/occurrence, or aggregate, for corporate protection of session, deacons, trustees, officers in performance of regular duties.
6. Employment Practices Liability: $250,000 per claim, or aggregate for claims related to employment, benefits, termination, and sexual harassment.
7. Crime Coverages: $50,000 per claim or occurrence for protection from employee dishonesty, theft or loss of money or securities, depositor's forgery; volunteers with access to church funds in any way should be covered.
8. Foreign liability:  This coverage provides protection for           incidents that occur outside the United States in which the church or individual would be legally obligated to pay.  If your church sponsors mission trips outside the United States, consider purchasing this coverage.  Analysis of your exposure should be done by your insurance professional.
9. Repatriation of Remains:  In case of death, this coverage will cover the expense of returning remains to the United States.  Consider this coverage if your church is sponsoring mission trips outside the United States.