INSURANCE PROGRAMS: MinistryFirst^®

Liability

Gone are the days when churches and related ministries were exempt from lawsuits. Today you can be caught up in a court case for anything from a sermon to a potluck social. In recent years, sexual abuse cases involving clergy and lay church workers have been in the news, too. MinistryFirst^® protects your church or related ministry in a variety of liability situations.

Basic Liability Protection

Bodily injury or property damage liability arising out of your covered premises and activities, including:

• general liability (premises/operations)
• products/completed work liability
• fire legal and property legal liability (combined)
• incidental medical malpractice
• mobile equipment liability
• leaders, employees, appointed persons, and volunteers as insureds
• premises/activities medical payments (including volunteer laborers)
• liability legal defense in addition to coverage limits

Special Liability Coverage Features

• Personal injury liability: Includes infringement of copyright, oral or written publication of material that slanders or libels a person or entity, and personal injury resulting from electronic data transmissions (such as e-mail) and from the posting of information on an electronic communication network (such as the Internet).
• Specialized emotional injury liability: Based on your operation and activities, includes: membership emotional injury (churches), nursery supervision emotional injury, student emotional injury (school/day care), camper emotional injury (camps), ordination/placement emotional injury (association/denomination offices).
• Food preparation liability: Liability protection and legal defense for claims resulting from consumption of food you prepare or distribute.
  
• Teacher/Governing board liability (including corporal punishment): Liability protection and legal defense for claims arising from covered teaching or leadership activities (school/day care coverage).
• Ordination/Placement liability: Liability protection and legal defense for claims arising out of the ordination, licensing, placement or transfer of clergy (association/denomination offices).

  

• Sexual acts liability: Liability protection and legal defense for covered damages, including emotional injury, resulting from sexual acts. An outside counseling reimbursement benefit is also included.
• Counseling acts liability: Liability protection and legal defense for covered damages, including emotional injury, resulting from counseling acts performed by pastoral or lay counselors or lay advisors. An outside counseling reimbursement benefit is also included. Coverage for incidental personal financial counseling is also provided.
• School counseling liability: Liability protection and legal defense for covered damages, including emotional injury, resulting from school counseling activities. An outside counseling reimbursement benefit is also included.
• Religious Communication^SM and Religious Activity^SM liability: Through this copyrighted optional endorsement, you can cover your organization or a covered person for emotional injury claims arising outof the communication of religiously-affiliated information, or activities associated with the religious beliefs of your church, your religious communication or religious activities.
• Discriminatory acts liability: Liability protection and legal defense for covered emotional injury claims arising out of discriminatory acts against individuals other than your employees or job applicants.
• Directors and officers liability: Liability protection and legal defense for covered financial damages claims that result from covered leadership decisions made on behalf of your organization.
• Employment practices liability: Liability protection and legal defense for covered damage,including emotional injury sustained by a past or present employee or job applicant due to employment discrimination, termination, harassment, or other wrongful employment acts or practices.
• Computer-related liability: Liability protection and legal defense for covered damages arising out of computer use, such as inadvertant transmission of computer viruses or the release of personal information stored electronically, electronic fund transfer (EFT) errors, and failure to supervise Internet use.
• Special defense reimbursement: Legal expense reimbursement relating to several specified types of civil proceedings and criminal investigations not typically covered in standard liability policies.
• Wage loss reimbursement: Specified benefit for reasonable and necessary covered wage loss incurred by a person who sustains bodily injury on premises you own or rent, or arising out of your sponsored activities. Benefit applies regardless of legal liability.
• Nonowned vehicle coverage: Liability protection and legal defense for covered damages resulting from the use of borrowed or short-term rented automobiles or maintenance equipment (on an excess basis). Also, can include, rental reimbursement physical damage coverage for rented vehicles, up to $45,000, plus other benefits. Liability protection is subject to the terms, limits, and conditions of each coverage form, we pay all sums that you become legally obligated to pay as damages due to covered loss sustained by others.

For a free, no-obligation quote, contact us.

Note: This Web site provides a brief description of coverages offered in our MinistryFirst insurance program. The Web site itself does not provide coverage of any kind, nor does it modify the terms of any policy. All property and liability coverages are subject to conditions, coverage limits, limitations, and exclusions. For precise details of coverage, please refer to actual policy forms.