Understanding Different Types of Helena Church Insurance

1. Understanding Different Types of Helena Church Insurance Helena church insurance has become an essential requirement in today's context. Gone are days when churches were used to considered safe havens where people used to find solace and help from volunteers and church members. It is not that the nature of church operations have changed over time, it is just that these noble, non-profit organizations now face the possibility of litigation and damage from theft, vandalism and robbery more than ever before. Considering church's limited sources of income, it is vital that they have a good financial recovery plan in place to meet unexpected financial losses.

2. Churches have become increasingly susceptible to lawsuits due to many reasons including inappropriate behavior, injury to others, damage to other property, damage to reputation of others etc. There's no one church insurance that can provide cover from all risks. Church property insurance, for example, provides financial protection from damage to church building and property, but it cannot cover the actions that could result in damage to others. The damage could be physical or mental and you would need a church liability insurance for that. Let us read about different types of church insurances that are available for the ministries. General Liability Insurance: General liability insurance is needed when the church is facing a lawsuit by any individual or an organization for a physical injury or property damage arising out of church's actions. Whether or not these claims are true, churches still need to defend themselves in the court and pay for the legal costs of litigation. It is recommended that churches should at least carry $1 million as a general liability coverage. Sexual Misconduct Liability: We often read how churches have to defend themselves about accusations (genuine or fake) of sexual abuse or misconduct. It is wise to have a coverage for both real incidents and allegations. Defence costs can be too heavy to be borne by the churches, they can cost as much as hundreds and thousands of dollars. Directors and Officers Liability: This type of Helena church insurance coverage provides coverage for the decisions taken by the church board, including officers and trustees. Should someone moves to court against board members, this coverage offers financial recovery of legal costs. Employment Practices Liability: Church employees can also file a claim for the church indulging in wrongful employment practices. Wrong termination, upholding salaries and wages, failure to provide health insurance, are some common reasons employees can move to court against employers. Auto Insurance: Churches use self-owned and rental vehicles to assist in

3. carrying out their operations on day-to-day basis. These vehicle are used by church members and volunteers for commuting. If these vehicles get damaged due to collision or stolen, auto insurance coverage provides coverage from financial losses arising due to such incidents. Replacing a church vehicle can be expensive and auto insurance coverage provides financial recovery to churches so that they can bear the costs of damage and get the vehicle repaired or even replaced. Umbrella Liability: Umbrella liability coverage covers your other liability coverage if those coverage limits are crossed. In other words, it is for those rare, extremely expensive liability claims. CONTACT US MINNESOTA OFFICE,18202 Minnetonka Blvd,Deephaven, MN 55345 Greg@Hellandagency.com 800-782-4872 For more information, Visit us at- https://www.hellandagency.com/