Church insurance is specially tailored to offer complete financial protection for churches, chapels and other religious premises. In order to find the cover that’s best for you, it’s important to seek a company that has experience insuring not-for-profit organisations. At Livingstones we have this experience as well as being sensitive to the needs of both you and your visitors.
Insuring a church is not simply a case of obtaining buildings and contents insurance; there are many other important elements to consider. Church insurance aims to provide a fully comprehensive policy that adequately covers the needs of churches. Some common forms of church protection include:
Cover against damage or theft to any items stored within the church.
Cover against any equipment stored or used inside the church.
Cover in the event that money is stolen from the church, whether by church officials, members or through burglary. Some policies will also offer extra cover for money generated through fundraising and charitable events.
Personal accident cover in the event of an injury sustained through church activities.
As beacons of charity, instilling community spirit, churches regularly become involved in organising events and youth activities. Church insurance addresses the potential issues that could arise from such events by including public liability cover for all church activities.
Liability cover in the event of member disputes, as well as cover for rented and church-owned property may also be included. Additional cover can also be provided that covers damages and injury incurred during outings, including vehicle collisions.
Certain church insurance policies may also include cover against other damages, including damage incurred to the church, its ground or other property by emergency services, the cost of replacing lost or stolen keys and protection against damages incurred to musical instruments, including expensive church organs.
Ultimately, church insurance can be uniquely tailored to the needs of any church or chapel, whether it is a single independent place of worship or a large denomination. We’ll help you find the right policy for your personal circumstances and explain to you all the different options available. We’ll also do our utmost to provide you with insurance at a great price too.