Protecting Your Faith Community
At Ohio Public Risk Insurance Agency, we understand that churches have unique insurance needs. This Church Insurance Program is designed to provide tailored coverage to the specific risks that religious organizations can face.
Our Coverage Options
General Liability
- Protects employees and volunteers
- Includes pastoral counseling liability
- Coverage for sexual abuse and molestation
Property
- Options available for equipment breakdown and ordinance/law change
Commercial Auto
- Coverage for 15-passenger vans, buses, and other owned vehicles
- Hired and non-owned vehicles and hired auto physical damage
Excess Liability
- Option to increase your limits on auto, general liability, and pastoral counseling liability
Management Liability
- Protects against employment-related acts
Foreign Liability
- Protects religious organization members who travel/work outside of the U.S.
Missionary Travel & Accident
- Protection for missionaries and/or volunteers while traveling in a foreign country
Highlights
- Coverage available in all states except Alaska and Hawaii
- Underwritten by an A.M. Best “A” (Excellent) XV Rated carrier
- Separate coverage limits for:
- General Liability
- Pastoral & Counseling Liability
- Abuse & Molestation
- Broadcasting Liability
- Coverage available for:
- Mothers’ Day Out Programs
- Day care, schools, and camps
Additional options
Agreed amount: Waives the coinsurance penalty on property insurance
Blanket insurance: Combines building(s) and contents under one limit
Replacement cost: No depreciation deducted from the replacement cost of the damaged item