Reasons Why Churches Need Commercial Insurance

Reasons Why Churches Need Commercial Insurance

Churches and other faith-based organizations are often not the first items that spring into one's mind when discussing insurance. However, just like any other home or business in this world, leaders of these places must take precautionary measures to protect the church as well as its parishioners. Failing to acquire church insurance could lead to trouble somewhere down the line.

This article is going to discuss some issues that may arise. It will also reveal how commercial insurance can help. Therefore, curious consumers should stay right here and read on, as there is much information to pass along in the following sections.

 

Make Sure Your Faith-Based Establishment Is Covered When Catastrophe Strikes



Torrential downpours, hail, wind, lightning, and earthquakes can wreak havoc on a building. Then again, so can things such as broken water lines and electrical fires. On other occasions, damage may be inflicted via vandals. The bottom line is that churches need insurance to ensure that they have the funding for repairs. Without coverage, the institution might become stuck between a rock and a hard place.

Hence, persons should do themselves and their followers a favor by taking out a policy. The action will prevent financial hardships from popping up when disaster strikes. Plus, it will make sure that everyone has a place to practice and worship their preferred religion.

 

Churches, Like Other Public Places, Can Be Targeted In Lawsuits



Accidents can happen anywhere, including at church. For example, a person could be walking along, minding their own business, only to trip on an uneven sidewalk and fall. While this type of incident may not sound too dangerous, it really is. Slip and fall accidents can leave people with broken bones, brain injuries, and more.

In turn, the victim, or their family, might seek compensation for their wounds through the legal system. After all, doctor visits, surgeries, and medications aren't cheap these days. Thus, it is of the utmost importance for churches to find commercial insurance that includes liability coverage. Then, their money will be shielded from such events as the policy will float the bill.

 

Faith-Based Organizations Need Commercial Auto Insurance As Well



Many churches offer funeral, daycare, and other services. That means that they regularly have employees or volunteers driving their vehicles. All it takes is a single moment for the operator to become distracted, and bam, they are involved in a wreck. Sometimes, the incidents are even caused by maintenance issues.

In either case, if property damage or injuries become part of the equation, the church could be deemed the responsible party. Not all faith-based organizations have significant sums of money hanging out in the bank. In other words, some of them may have difficulties paying settlements. So, take the opportunity to invest in commercial auto insurance now and avoid headaches later. The coverage is an excellent option for providing peace of mind, and who can't stand that today?

Contact Panorama to discuss your church and other commercial insurance needs.

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