ELIGIBLE CLASSES
Churches, Church-owned properties, Schools, Camps, Synagogues or other religous institutions; vacant Church buildings and Church-operated day cares.
ADDITIONAL ELIGIBLE CLASSES
Religious Reading Room
Church Supplies Store
Wedding Chapel
Learning Centers
Library
Private schools K-12
Charter Schools
Trade/Vocational Schools
AVAILABLE COVERAGES FOR CHURCH & SCHOOL INSURANCE
General Liability
Professional Liability
Directors & Officers Coverage
Excess Liability
Cyber Security
Commercial Property
Sexual Misconduct Liability Coverage
Counselor's Liability
Hired & Non-Owned Auto Excess Liability
Terrorism Coverage
Business Income
Business Personal Property
Employee Benefits
Employee Practices Liability
Equipment Breakdown
Property Enhancement
Religious Expression Liability
COVERAGE LIMITS OF CHURCH & SCHOOL INSURANCE
Commercial General Liability & Professional Liability
$1M each claim
$3M general aggregate limit
Excess Liability
$5M general aggregate limit
Commercial Property & Business Personal Property Limit
$12M maximum TIV (total insured value)
EXAMPLES OF HARD-TO-PLACE RISKS
Large property coverage limit requirements
Coastal locations
Schools and churches who have received bad press or reviews in the past
History of claims
Lapse in coverage
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