FaithGuard® Property & Liability Coverage

Coverage to protect multiple areas of your ministry.

To meet the special needs of your congregation, our FaithGuard package policy offers Property and Liability coverages for houses of worship.

VIEW: FaithGuard Church Brochure 

Property Coverage

FaithGuard package policy  includes property coverage for buildings, contents, signs, property in the open, and fences. Your policy will automatically include coverage for standard items, along with many non-standard items, including the following:

  • Arson, theft or vandalism information reward
  • Automated external defibrillators (AEDs)
  • Earthquake sprinkler leakage
  • Equipment breakdown, including computers, boilers, and electrical equipment
  • Indirect loss – protection when a direct loss causes an interruption to your operations resulting in a loss of business income, or extra expenses
  • Newly acquired or constructed property – our limits exceed industry standards
  • Pastor’s personal property
  • Ordinance or law – when building updates are required by ordinance following a covered loss
  • Stained glass windows
  • Personal effects and property of others on a worldwide basis; for example, property damaged on a mission trip
  • Fire and security alarm upgrade – reasonable additional costs to upgrade your system when replaced due to a covered cause of loss
  • Utility services interruption (direct damage and time element) for example, a storm knocks out usage of your utilities and causes damage

Additional Coverages

You may also elect to add the following coverages to your FaithGuard package policy at a modest charge for even greater property protection:

  • Crime coverage provides protection for losses resulting from theft, employee dishonesty, computer fraud, forgery and alteration
  • Electronic data processing covers direct physical loss to your computer hardware and software
  • Green upgrade coverage pays for the reasonable additional costs to upgrade to more energy efficient and environmentally friendly building elements and appliances in the event of a covered loss
  • Inland marine covers property that may be transported from one place to another, as well as unique types of property and possessions of artistic merit
  • Key person replacement coverage provides for the reimbursement of recruitment expenses to replace a senior or executive pastor who dies in a work related accident
  • Limited flood coverage provides building and personal property coverage on a limited basis when loss or damage is a direct result of flood

Liability Coverage

The general liability coverage included with FaithGuard package policy protects your place of worship against claims of bodily injury or property damage arising out of its premises or operations for which the church may be legally liable. FaithGuard extends the general liability coverage to protect church members, employees, officials, staff, and volunteers, acting on behalf of the church. The FaithGuard package policy includes General Liability protection against claims resulting from:

  • Liability for personal and advertising injury offenses, such as libel and slander
  • Medical expenses as the result of bodily injury sustained on your premises, regardless of fault
  • Injury resulting from spiritual counseling by your minister, or by an employee or volunteer under the direction and control of your minister
  • Expenses resulting from a violent incident occurring during a church sponsored activity

Optional Liability Coverages

A wide variety of optional coverages are also available with FaithGuard Church:

  • Non-owned and hired auto liability
  • Counselors liability (licensed and fee-based)
  • Directors, officers and trustees officers liability
  • Employee benefits liability
  • Employment practices liability
  • Lost wages coverage
  • Sexual misconduct liability

This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.