HOUSE OF WORSHIP - INSURANCE PRODUCTS

LIABILITY

Our programs offer protection against claims for negligence involving bodily injury or property damage insuring your members, clergy, employees, board members and elected officials. Also included is Personal Injury Liability coverage, which provides protection for claims alleging libel, slander, defamation of character and incidental publishing activities. This important coverage applies to various activities you sponsor, even if they take place away from your property. Products and Completed Operations coverage is included, providing coverage for lawsuits resulting from operations involving the serving of food where food poisoning is alleged.
 

            Sexual Misconduct and Molestation

Our programs offer liability protection for certain claims involving actual or alleged acts of sexual misconduct or molestation. Coverage is for your organization and also covers members, clergy, employees, board members and elected officials while acting within the scope of their duties. No protection is provided to anyone participating in the act of sexual misconduct or molestation.

            Medical Expenses

Members, guests and volunteer workers injured on your property are automatically covered, regardless of fault, up to the limit specified in your policy.

            Damage to Property Rented to You

            Provided up to the specified limit in the policy. (Fire Legal Liability)

            Damage to Property of Others

Coverage can be provided when a person participating in your activities damages someone’s property, regardless of who is at fault.

Other Liability Coverage Available by Endorsement:

·         Director’s and Officers Liability

·         Employee Benefits Liability – for unintentional errors in administering your Benefits program (i.e. medical, life and retirement programs)

·         Employment Practices Liability – offers protection to your organization, employees, directors and officers, for lawsuits alleging discrimination, wrongful termination and sexual harassment.

·         Internet Liability

·         Special Events Liability

·         Spiritual Counseling Liability

PROPERTY COVERAGE

Buildings and personal property (the contents of your facilities) can be insured with blanket limits with many coverage enhancements, such as:

• Personal Property of clergy used in the ministry
• Outdoor objects or structures, such as storage buildings and playground equipment
• Newly acquired buildings, new additions and new construction
• Outdoor signs
• Property away from your premises
• Sewer, Drain or Sump Backup or Overflow Coverage
• Refrigerated Products Loss/Spoilage

Additional Coverages or Coverage Extensions:

• Earthquake Sprinkler Leakage (available by endorsement)
• Coverage for the perils of Earthquake & Flood (optional)
• Electronic Data Processing Equipment
• Coverage to restore or replace Electronic Data
• Fire Department Service Charges
• Lock Replacement
• Business Income and Extra Expense
• Anti-Arson and Anti-Theft Rewards
• Valuable Papers and Records – Cost of Research
• Trees, shrubs and lawns – covered for specified perils and limits
• Equipment Breakdown
• Ordinance or Law Coverage: Provides specified limits for loss of value to the undamaged portion of a building; cost for demolition and debris removal and the increased cost of construction to comply with current building codes and ordinances.

CRIME COVERAGE

Theft and employee dishonesty coverages are available on an optional basis to supplement your protection. Also available is Forgery and Alteration Coverage and coverage for the theft of money and securities.

COMMERCIAL AUTO

Vehicles owned by your organization can be insured easily with our auto program, designed for cars, vans (including 15 passenger vans) and buses. Liability coverage is provided for bodily injury and property damage caused by a vehicle you own for which you are legally obligated to pay. Uninsured motorist coverage protects passengers in your vehicle who are injured by another driver who carries inadequate insurance limits or has no insurance at all. Medical payments coverage is designed to pay for medical care needed by passengers in your vehicle, regardless who is at fault for the injury. Physical damage coverage, comprehensive and collision, is available with various deductible options.

MEXICAN AUTO INSURANCE

If your ministry has an outreach to Mexico, your staff, members and volunteers are exposed to special risks if they are driving one of your vehicles or their own personal vehicle across the border. Commercial and Personal Automobile Policies do not provide coverage in Mexico and Mexican authorities do not recognize U.S. or Canadian Insurance Companies. You must have insurance through a Mexican Insurance Company. HUB International has a special Mexican Auto Insurance Program designed for the risks you face. Coverage is also available to members and employees of your organization who plan to drive across the border for visits, shopping or vacations. Policies can be issued for a day, week, month, 6 months or annual. You can obtain a quote, pay for the policy and print your policy on-line from our website any time you need the coverage. For more information, click here.

HIRED AND NON-OWNED AUTO

This important coverage is designed to protect your organization when you rent or borrow a vehicle for use on church business or when one of your employees, directors or volunteers drives their own vehicle on behalf of your church or organization and you are named in suits for damages resulting from bodily injury or property damage. This is an optional coverage we highly recommend.

INLAND MARINE

This optional coverage is designed to provide protection for personal property that needs broad peril protection, especially when it is advisable to insure items for a specific dollar limit.  Examples of property you should consider insuring on an Inland Marine endorsement are objects of fine art, musical instruments, statuary or rare books. Coverage is generally worldwide and can be written with no deductible.

WORKERS’COMPENSATION

In most states, this coverage is required by law. It provides protection when your employees incur medical expenses resulting from work-related accidents and injuries. The actual benefits are established by each state and generally provide coverage for lost wages, medical and rehabilitation expenses and survivor benefits for fatal injuries.

UMBRELLA LIABILITY

Court awards in the millions of dollars in liability cases are no longer uncommon for religious and faith-based organizations. Our Umbrella Liability program offers optional excess coverage to provide limits in excess of the limits you carry for general liability, vehicle liability and employer’s liability. In some cases we may be able to secure umbrella limits for Sexual Misconduct and Molestation as well as Director’s and Officers Liability exposures. $5 million limits are common and higher limits are available. Coverage is subject to any restrictions indicated in the excess coverage form and your underlying coverage.

CLERGY HOMEOWNERS

HUB International has a wide array of personal insurance products, which include Homeowners, Personal Automobile, Valuable Articles, Boat & Yacht as well as Personal Umbrella Liability Coverage. We have access to all major insurance companies and we are pleased to offer our programs to your clergy, employees, members of your congregation and volunteers. For more information, click here.
 

INTERNATIONAL TRAVEL INSURANCE & ASSISTANCE PROGRAMS

An important supplement to your insurance program is this specialized protection for missionaries, clergy, members or volunteers who travel outside the United States in service of your ministry. Many personal or group medical insurance programs confine coverage to the U.S. and Canada, creating a huge exposure to financial loss to anyone who becomes sick or injured while traveling outside the U.S. or Canada.

We offer Medical, Life, Accidental Death and Dismemberment Coverages for individuals or groups traveling abroad from 10 days to 12 months. Also available is Trip Cancellation Coverage and Sky Rescue, a program to cover certain emergency medical evacuation and transportation expenses. All of the coverage information is available here on our web site and you can get a quote in less than one minute and pay for the policy online. These programs are also available to your staff and members of your congregation and volunteers who are traveling outside the U.S. on personal business or vacations. For more information, click here.