HOUSE OF WORSHIP

RISK EXPERTISE

Owning and operating a house of worship—whether it be a church, synagogue, temple or chapel—can be a rewarding endeavor, but also carries significant risk.  House of Worship owners have to manage numerous property and liability exposures.  We are here to help identify the risks associated with the wide range of services that your House of Worship provides.  Whether you solely offer prayer services or also bring faith based activities such as celebrations, studies, youth programs, or special events, we can design a customized program to fit your needs.

FAQ

Does a House of Worship need insurance?

 Yes, houses of worship have a lot to protect.  They need insurance to protect their property, equipment, employees, vehicles, as well as third party liabilities.

What are some notable risks facing a House of Worship?

• Property Damage: Risk of property damage is considered high due to the building being unoccupied for large amounts of time, which can encourage vandalism or break-ins. It is important to make regular visits to the premises to prevent and detect loss.
• Crime: Employee dishonesty and theft of money and securities is prominent. Make sure to include multiple individuals in operations such as collections, deposits and disbursements. 
• Premises Liability: The large number of visitors can result in slips, trips, and falls. Keep floor coverings, stairways, and railings in good condition, meeting all public and life safety standards.  Parking areas must be maintained. 
• Professional Liability: Individuals should counsel only within their areas of expertise and licensure. Maintaining a members’ privacy is critical.  Counseling should be done in private areas so others cannot overhear confidential conversations.

Which insurance coverages are needed for a House of Worship?

Insurance coverages needed for houses of worship include (but not limited to) Property including Business Income, Crime, General Liability, Directors and Officers Liability, Professional Liability, Auto including Hired and Non-Owned, Workers Compensation, and Umbrella.

How much does insurance cost for a House of Worship?

Insurance premiums for houses of worship will vary based upon several factors.  Each policy is rated on different exposures which may include payroll, revenue, property value, location, driving record, claims history, among others.

How do I purchase House of Worship insurance?

Biscayne Risk & Insurance Group can help guide you through the insurance buying process.  Contact us at 561.571.1001, quotes@biscaynerisk.com, or via the contact form below.