Churches & Houses of Worship
U.S. Insurance Services Religious Organization product focuses on established religious institutions whose primary function is a House of Worship. Other exposures such as special events, daycares, camps, schools and shelters can be included in the Religious Organization Package.
General Liability limits up to $1,000,000 are available with Umbrella limits available up to $10,000,000. Some of the coverage features also available are noted below:
Coverage Features
General Liability
- Comprehensive General Liability Limits to $3,000,000
- Abuse & Molestation coverage available for qualified accounts
- Personal Injury Liability
- Employee Benefits Liability
- Volunteers and Church Members as Additional Insured's
- Coverage for Fund-Raising Events
- Amended definition of bodily injury to include mental anguish
Property
- Blanket Limits with large in house capacity.
- Special Causes of Loss on Building, Contents, Loss of Income and Extra Expense
- Water Backup of Sewers and Drains or Sumps - $25,000
- Sign Coverage
- Stained Glass Coverage
- Ordinance & Law Coverage - Included up to Building Limit
- Fine Arts- $25,000
- Agreed Value Endorsement available with property appraisal
Automobile
- 15 passenger vans and buses are acceptable exposures
- Non owned and Hired car coverage
- Volunteers as Insured's coverage available
- Hired Car Physical Damage
- Rental Reimbursement for Private Passenger Vehicles
Crime and Fidelity
- Employee Theft (Blanket Fidelity)
- Money & Securities
- Forgery or Alteration
Submission Requirements
- Latest annual audited financial statement or 990 tax form
- Supplemental claim form, if applicable
