Do I Need California Church Insurance?

Church liability insurance in California is important in the longevity and financial stability of the church. Churches and other religious organizations have different types of risks that exposures than typical businesses. Understanding that churches, mosques, synagogues, temples, and other religious organizations will need to package California Church Insurance with workers compensation and commercial auto to help protect your religious organization.

What Coverage Is Needed For Texas Church Insurance?

ConXis Insurance Services realizes that your church will need a variety of coverage to make sure that you are financially protected should a lawsuit surface.  Legal costs should a lawsuit arise could cripple the financial solvency of your Church. Depending on the suit legal fees could run in the 100’s of thousands of dollars. Depending on the services that you offer your Church liability insurance in Texas should understand the options listed below.

•   General Liability Policy insurance provides the insured party with protection against claims resulting from injuries and damage to people or property. Liability insurance policies cover both legal costs and any payouts for which the insured party would be responsible if found legally liable.
• Property Policy – Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person other than the owner or renter if that person is injured on the property. The endorsements listed below are options you should consider when buying your California Church Insurance.
  • • Business Interruption – provides coverage for lost earnings that replaces income lost in the event that business has stopped operations for some reason, such as a fire or a natural disaster. This type of insurance also covers operating expenses, a move to a temporary location if necessary, payroll, taxes, and loan payments
    • Equipment breakdown –  provides coverage for a loss caused by mechanical or electrical breakdown for most types of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
• Business Owner Policy – Combines both the property policy and the General liability policy. Generally at a lower rate than having two separate policies.
• Commercial Auto – Commercial auto insurance covers the cost of accidents involving business-owned vehicles. It also covers vehicle theft, vandalism, and certain types of vehicle damage.
• Workers Compensation– Workers’ compensation pays for medical care to treat employees who are injured or become ill because of their jobs. It might also pay some of their lost income. If an employee dies because of a work-related injury or illness, it pays burial expenses and benefits to the employee’s family.
• EPLI– (Employment Practices Liability Insurance ) –  this is designed to cover lawsuits from employees for alleged claims of workplace harassment, discrimination, hostile work environment, or wrongful termination. The insurance can cover legal fees, settlements, lawyers’ fees, other miscellaneous expenses associated with the lawsuit.