Insuring Against the Liabilities of Religious Institutions

Few consider the importance of insurance coverage for religious institutions and houses of worship. There are many reasons why these facilities and ministries require protection, and these key liabilities are covered under the religious institutions and church insurance the Tampa area HUB office provides. Recent statistics have 40% of Tampa residents reporting some religious affiliation, though the faith backgrounds are spread among Baptists, Catholics, Pentecostals, and Methodists. There is also a sizable Islamic following in the area.

Regardless of denomination or facility, religious institutions must contend with property liabilities, parishioner or guest safety, employee injury compensation and information privacy. HUB’s experts recognize the need for a unique but comprehensive approach to religious institutions and church insurance for Tampa organizations. Our brokers know how to tailor a policy to your exposures.

Recognizing Key Areas of Risk

Churches, synagogues, temples, and other worship facilities operate differently than the average business, but there are some areas of overlap in the various liability risks. Recognizing these risks is a huge part of the assistance you receive from our brokers at HUB, but your institution, knowing what the risks are makes understanding your insurance needs easier.

• Professional liability claims arising from spiritual counseling activities
• Damage to unique artifacts, ornamental architecture, tapestries, or pipe organs
• Claims of sexual misconduct, abuse or exploitation involving vulnerable people groups
• Acts of vandalism or theft with church assets, cemeteries, or other structures
• Employee injury while performing work at the facilities

Securing Religious Institutions and Church Insurance in Tampa

HUB International is the trusted name for your church or religious organization’s insurance needs. Our expert services have worked with religious orders, denomination headquarters and individual houses of worship over the years, giving our brokers direct experience to address matters with cultural sensitivity and professional efficiency. Our policies aren’t limited to a certain organization or faith-based group. Coverage needs for church or religious institutions can be found across a variety of facilities. These can include:

• Seminaries
• Monasteries
• Convents
• Churches
• Temples
• Shrines
• Synagogues

Seeing the Potential Claim Scenarios

A claim could be opened against your clergy, church leaders, employees, volunteers or against your property. Insurance coverage must be comprehensive if it is to be effective against the range of claim scenarios your institution may face. Here are some potential situations or claims that could be filed against your church or facility.

• The driver of the church van loses control during inclement weather and crashes into another vehicle. The vehicles are heavily damaged and several of the youth are badly injured. In addition to a claim against the church on an auto policy, the families of those involved seek additional damages for the medical care and trauma of the event.
• A church employee loses control of maintenance equipment and breaks a historic, stained glass window on the building.

Religious institutions and church insurance from Tampa HUB brokers provides a safety net against these potential risks.