CHURCH INSURANCE? WHY DO CHURCHES NEED INSURACNE?
If you have any association with a church, then you know they can be a beehive of activity. Worship services open to the general public, Sunday School for all ages from the cradle to elderly, dinners, sporting activities, prayer groups, schools, counseling, service and mission activities. food pantries, Vacation Bible Schools. etc. The list goes on. Each of these activities carries with it a "liability" risk which needs an insurance policy that address those risks. Then we have to think about the building or buildings. Whether it is an upgraded metal "butler" building or a grand edifice more than 100 years old, it needs to be insured against many physical perils that can damage it.
WHERE CAN WE GO TO GET AN INSURANCE POLICY FOR A CHURCH? There are a number of auto insurance companies that have a "church" insurance policy, but, in most cases, they are very limited. The best place to find an adequate church insurance policy to with a company that specialized in Church Insurance. For me, that company is GuideOne Insurance Company of West DesMoines, Iowa. Not only has the company been in operation since 1946, but it has the distinction of actually developing and writing the church insurance policy that is copied by others. It is a full service Insurance Company that insures church througout the United States. (More that 45,000) The recent hurricanes in Texas and Florida will have the GuideOne claims teams on the ground practically before the wind stops blowing. Claims will be handled quickly and efficiently. GuideOne, working with its construction contractor partner GC-3 has a reputation of getting a badly damaged church buildings repaired or reconstruction and back in full operation about 2/3 the time it would take with any other company.
Church insurance is that comprehensive program that meets the many and, often, complicated insurance issues efficiently so the church can continue to move forward with its ministry. If your church is seeking an insurance plan to protect its ministry, contact me, Dennis A. Bauer. (636-947-3000) Let me introduce you to GuideOne insurance Company.