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Insurance for Your Religious Institution

When it comes to protecting your religious institution, turn to the experts at Selective. We have a dedicated and experienced team that specializes in the unique needs and challenges religious institutions face. With protection for coverage for fine arts, religious articles, statuaries and donated automobiles held for sale, our coverage is designed to be both broad and flexible.

Types of Religious Institutions We Insure

  • Churches or other houses of worship
  • Houses of worship with an affiliated day care exposure
  • Houses of worship with an affiliated faith-based school

Coverage Highlights

Property Insurance Advantages

  • Broadened water coverage for direct damage and business income
  • Business income – actual loss sustained
  • Computer equipment and media
  • Donated automobiles held for sale
  • Grave markers and headstones
  • Money and securities limit is doubled on five stipulated holidays during the year
  • Newly acquired or constructed property
  • Ordinance or law
  • Outdoor property
  • Equipment breakdown

General Liability Insurance Advantages

  • Blanket additional insured coverage as required by a contract
  • Broadened definition of “personal and advertising injury” includes discrimination and injury resulting from “religious acts” and “religious communications”
  • Incidental broadcasting, publishing or other media coverage
  • Medical payments for members
  • Members as additional insureds

Commercial Automobile Insurance Advantages

  • Blanket additional insured coverage as required by a contract
  • Additional transportation expense
  • Air bag coverage due to accidental discharge
  • Hired car physical damage
  • Lease gap (where available)

For more information about Selective's coverages, click here.

Optional Coverages Tailored for Religions Institutions

  • Abuse or molestation
  • Cemetery liability
  • Crisis response
  • Cyber liability
  • Employee benefits liability
  • GreenPac®
  • Key employee replacement
  • Personal religious counselling
  • Religious directors and officers
  • School board legal liability

For more information about Selective's coverages, click here.

Safety Management Services

Selective can help you prevent claims before they occur with our extensive Safety Management services:

  • Thermographic infrared testing of electrical panels and incoming service
  • Building valuation
  • Employee and volunteer background screening at a discounted rate through IntelliCorp®
  • Assistance with developing policy and procedure manuals, including screening guidelines for employees and volunteers working with children and vulnerable adults
  • Fleet safety assistance, 15-passenger van safety

For more information about Selective’s Safety Management services, click here.

Please contact your Selective agent for more information about our products and services for Religious Institutions.