Monday, April 11, 2011

Churches & Houses of Worship

U.S. Insurance Services Religious Organization product focuses on established religious institutions whose primary function is a House of Worship. Other exposures such as special events, daycares, camps, schools and shelters can be included in the Religious Organization Package.

General Liability limits up to $1,000,000 are available with Umbrella limits available up to $10,000,000. Some of the coverage features also available are noted below:

Coverage Features

General Liability

  • Comprehensive General Liability Limits to $3,000,000
  • Abuse & Molestation coverage available for qualified accounts
  • Personal Injury Liability
  • Employee Benefits Liability
  • Volunteers and Church Members as Additional Insured's
  • Coverage for Fund-Raising Events
  • Amended definition of bodily injury to include mental anguish

Property

  • Blanket Limits with large in house capacity.
  • Special Causes of Loss on Building, Contents, Loss of Income and Extra Expense
  • Water Backup of Sewers and Drains or Sumps - $25,000
  • Sign Coverage
  • Stained Glass Coverage
  • Ordinance & Law Coverage - Included up to Building Limit
  • Fine Arts- $25,000
  • Agreed Value Endorsement available with property appraisal

Automobile

  • 15 passenger vans and buses are acceptable exposures
  • Non owned and Hired car coverage
  • Volunteers as Insured's coverage available
  • Hired Car Physical Damage
  • Rental Reimbursement for Private Passenger Vehicles

Crime and Fidelity

  • Employee Theft (Blanket Fidelity)
  • Money & Securities
  • Forgery or Alteration

Submission Requirements

  • Latest annual audited financial statement or 990 tax form
  • Supplemental claim form, if applicable

Call 1-800-874-1738 x201

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