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Insurance for Churches and Houses of Worship
Insurance For Religious Institutions
The Religious Institution program from Texans Insurance. Your organization faces
unique challenges. That’s why we have coverage available like pastoral
counseling liability to meet your unique needs. Combine this specialized
coverage with Texans’ excellent service and your group is protected with the best
value available.
Coverage available for Religious Institution Programs:
Property Insurance
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General Loss - Your buildings and organization’s personal property are
protected from certain losses due to fire, vandalism theft, windstorm and other
hazards.
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Ordinance or Law Coverage - This coverage can be provided for owned buildings
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Additional Living Expense - Additional living expenses that result from a loss
or damage to a covered clergy house of residence.
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Business Income - We can cover the loss of business income during the time of
restoration after a covered loss.
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Extra Expense Coverage - We can cover the actual and necessary expenses you
sustain from direct physical damage or loss to property.
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Backup of Sewers and Drains – Texans can cover your building and property against
damage from the backup of sewers, drains or sump pumps.
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Newly Acquired or Constructed Property – We can automatically provide property
coverage for Buildings and for Business Personal Property for up to 90 days, so
you have time to add new acquisitions.
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Accounts Receivable - If your accounts receivable records are destroyed be a
covered loss, Texans can provide you coverage for amounts that you are unable to
collect.
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Money and Securities - We can provide theft coverage, disappearance or
destruction of money and securities on your premises, and away from your
facility. The limit of insurance can be automatically doubled during four days
of choice specified by you when the policy is issued.
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Employee Dishonesty - We offer you coverage to protect you against loss of
money or other property from dishonest acts of employees.
Liability Insurance
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Sexual Misconduct Liability – Texans can provide coverage for liability and
defense costs arising out of the sexual misconduct of an employee or volunteer.
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Pastoral Counseling Liability – Your policy can include Pastoral Counseling
Liability coverage.
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Broadened “Who is an Insured” Definition - Our policy can more broadly define
who is an insured to include church members, members of the clergy, trustees,
officials or members of the board of governors of the institution and volunteer
workers.
Highlights of Some Optional Coverages
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Accounts Receivable Limit Increase
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Fine Arts Coverage
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Equipment Breakdown - This coverage protects you against loss caused by power
surges, electrical arcing, short circuit to electrical systems and equipment,
including HVAC systems, and phone systems.
Important Notice
Coverage statements shown are simplified descriptions only. The full and exact
contract is contained only in the policy. Eligible classes of business are
limited.
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