Why Church Insurance Matters
Churches are more than buildings- they are community hubs. With that comes many risks:
- Physical risks to property (weather damage, fire, vandalism)
- Liability risks (someone injures themselves on church grounds, events your church hosts, etc.)
- Risks associated with operations (staff or volunteers, transportation, ministries, outreach)
- Unforeseen legal exposure (leadership decisions, counseling, abuse claims, etc.)
Insurance helps protect the church's mission so that a single disaster doesn't jeopardize everything.
Key Types of Coverage
1. Property Insurance- covers damage to the building(s), contents (pews, musical equipment, appliances), outbuildings, etc. Natural disasters (storms, hail, wind) are real risks in Georgia.
2. General Liability Insurance- For bodily injury or property damage third parties suffer on church property or during church events.
3. Workers' Compensation- Georgia law requires this if you have employees. It covers staff medical expenses, lost wages in case of work-related injury.
4. Commercial Auto- If your church owns or uses vehicles for church business, you'll need this.
5. Directors and Officers- Covers church leadership if they are sued for decisions made in their official capacity.