Comprehensive Church Insurance Solutions at The Garrison Agency
At The Garrison Agency, we recognize that a church is more than just a building; it’s a place of faith, community, and spiritual refuge. Understanding the profound significance and value a church holds for its members, we offer specialized church insurance. Our aim is to safeguard your place of worship, allowing you to focus on your faith and community. We’re proud to provide Alfa Insurance to religious organizations, encompassing property, liability, and loss coverage.
Property Insurance for Churches
Our church property insurance comes in two forms: Special Form and Standard Form. The Special Form covers physical loss, while the Standard Form details covered perils like fires, windstorms, and more. This insurance extends to:
- Chapels
- Church Buildings
- Camps
- Schools
- Clergy Residences
Recognizing that each place of worship has unique needs, we offer additional coverage options beyond Alfa’s standard property insurance.
Additional Coverage Options
We provide specialized coverage areas, including:
- Money and securities protection
- Employee dishonesty coverage
- Coverage for newly acquired buildings
- Personal property protection off-premises
- Property in transit coverage
- Accounts receivable and valuable papers coverage
- Extra expenses for resuming operations
- Coverage for outdoor plants and lawns
- Consequential loss coverage from power interruption
- Arson reward and fire extinguisher recharge
- Sewer and drain backup coverage
- Pollutant clean-up and removal
Liability Insurance for Churches
Our liability insurance covers church representatives, including employees and volunteers, for church-related operations. This encompasses retreats, events, and church school activities, providing financial protection in case of accidents or injuries.
Medical Payments Coverage
This coverage is vital for protecting volunteers, students, and participants, covering medical expenses resulting from church activities.
Tailoring Your Church Insurance Policy
With Alfa Insurance, you can customize your policy to suit your church’s specific needs, including optional coverages for sexual misconduct liability, cemetery professional liability, clergy professional liability, and more.
Commercial Umbrella Policy
For additional protection against large and unexpected losses, our commercial umbrella policy is an optional separate policy that extends beyond baseline church insurance.
Special Features of Our Church Insurance
Our policies include advanced protection features not typically included in standard plans. These include coinsurance benefits, volunteer labor coverage, increased money and securities coverage during high-offering periods, vacancy protection, and personal property coverage for clergy.
Protecting Your Church’s Legacy
We understand the importance of your church both as a physical space and a symbol of faith. Adequate insurance is crucial to ensure you can rebuild and replace what’s lost, maintaining financial security during challenging times. At The Garrison Agency, our goal is to protect your church with the right insurance at affordable rates. Schedule an appointment today to get a quote.