Insurance For Church Security

The insurance for church security policy can help churches avoid financial loss and remain open for ministry even after a natural disaster or security incident. It also helps protect church leaders and congregants from potential liability claims. Moreover, many mortgage lenders require churches to carry insurance before they will lend them money for property purchases.

Insurance for church security is a necessity for any house of worship. Unfortunately, violent incidents occur more often at places of worship than one might think. In addition, churches are frequently targets of hate crimes and other forms of hostile behavior.

It is estimated that there are 80 incidents of serious violence and 46 deaths in US places of worship each year (Source: Dolanconsultinggroup). The safety of congregations and guests should always be a top priority for any house of worship. As a result, more and more religious organizations are hiring dedicated security staff.

Developing a Church Security Plan: Key Steps to Get Started

In addition to security guards, a church security program can include trained volunteer members of the congregation who provide support during services. While this type of altruism is appreciated, it will not protect volunteers from personal liability if an incident occurs. Therefore, it is important for houses of worship to obtain liability insurance for their security team members.

Liability insurance is a must-have for all religious organizations. It protects against third-party bodily injury and property damage. For example, if a visitor slips and falls on the church premises, general liability will cover medical expenses and legal costs. Church, synagogue, mosque and other house of worship property can be divided into two primary types: real property and personal property. Real property includes the building and its fixtures, such as pews, pipe organs, stained glass windows, and exterior signs. Personal property covers computers, library materials, and communication equipment.