A Houses of Worship Insurance Program of all Faiths and denominations, including but not limited to Churches, Meditation centers, Mosques, and Temples.
All Faiths and denominations, including but not limited to Churches, Meditation Centers, Mosques, and Temples.
Most common ineligible risk characteristics :
- Located in New Brunswick, Quebec, Nunavut and Northwest Territories
- The following classes of business:
- School exposure (Sunday school is acceptable)
- International missions with children under the age of 18
- Faith healing ministries
- Property coverage is available with up to $3 Million in Limits
Optional : Special (Broad Peril) including theft, replacement cost, property enhancement endorsement, equipment breakdown and building ordinance
- Criminal coverage is available with up to $100 000 in limits
Optional : Employee dishonesty, monies and securities inside and outside, robbery inside and outside, safe burglary
Underwriting Considerations – Houses of Worship
General Liability (up to $5,000,000)
- Optional certain criminal or civil proceeding defense reimbursement cost coverage
- Fundraisers, special events and outreach activities are automatically included and do not need to be scheduled in the policy
- Church members are automatically included as additional insureds
- Emotional distress and mental anguish is included within the definition of bodily injury
- Pastoral professional coverage available up to $1,000,000
- Abuse and molestation sublimit of $100,000/$300,000 available at no additional cost with the option to increase to $1,000,000
- Blanket Special events included
- Church Member as Additional insureds
Directors and officers / Employment practices liability (Up to $5,000,000)
- Lifetime occurrence reporting provision – Unlimited reporting extension for former directors and officers
- Data & Security+ endorsement – Provides a $50,000 expense sublimit each for data breach, identity theft,workplace violence and kidnap expenses
- Full prior acts coverage
- Breach of contract coverage
- Wage and Hour – $100,000 sublimit including defense and loss (back wages)
- Third party sexual harassment and discrimination automatically included
- Optional Standard Form – A competitively priced alternative to our Broad Form option
APRIL’s program for Houses of Worship
Alfa Insurance Brokers
Can always count on you guys for quick quotes!! Thank you!
Cambrian Insurance Brokers Ltd
5 stars for APRIL!
Lakeview Insurance Brokers
APRIL simply is insurance made easy.