INSURANCE FOR RELIGIOUS ORGANIZATIONS

XINSURANCE provides customized liability insurance solutions for organizations and individuals. We can help the following:

• Churches
• Temples
• Synagogues
• Mosques
• Religious leaders
• Any place of worship!

We have an all-in-one approach for religious organization insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

• Active shooter liability: Liability protection in the event of an active shooting taking place at company property.
• Alleged assault and battery liability: Coverage for claims against you regarding assault and/or battery.
• Alleged sexual abuse and molestation liability: Coverage for claims against you regarding sexual abuse and/or molestation.
• Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for organizational purposes.
• Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
• Communicable disease liability: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
• Directors and officers (D&O): Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization.
• Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
• Firearms liability (available in most states): Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use.
• Individual/Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
• Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
• Professional liability: Coverage for claims regarding negligent acts and more.
• Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
• Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
• Special events liability: Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.
• Tru Umbrella: Additional coverage to fill the gaps and exclusions in your existing policy.
• And more: We provide customized coverage so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ comp.

There are several ways a place of worship might find itself needing liability insurance. As an example, someone could get COVID and say they got it from the local church that was not following proper health standards and protocol. Slips and falls always account for injuries and hospital visits and they can occur at places of worship too. A 53-year-old woman fell on stairs leading to her church that had been rebuilt a few days earlier. The woman sustained multiple leg fractures and sued her church. She was paid out $675,000 after settling the case.

It is most unfortunate but active shootings occur at places of worship among other common gathering places. Churches are taking security measures to help defend themselves against an active shooter and hopefully prevent one altogether. Did you know that about 20% of churches either have no security measures in place or don’t know? Regardless of whether you have armed members or an armed security guard or some other security measure, the chances of an active shooter can still occur. It is best to be prepared for all outcomes with liability insurance for religious organizations.

XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or organization has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide Tru Umbrella coverage.

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

From third-party physical injury to third-party property damage and much more, you can be reassured that the coverage will be sufficient for your requirements.