Liability insurance protects ministries if someone sustains injury or loss in connection with ministry activities. It typically includes compensation for the injured party, the cost of defending you in court, and any court awards or settlements, up to the liability limits of your policy.
When buying liability insurance, you’ll be asked to select coverage limits. These limits determine the maximum amount that the insurer will pay on behalf of the ministry (and covered individuals) if a claim is made.
Here are four factors to consider when selecting liability limits:
In addition to thinking through the above factors, it’s a good idea to discuss your options with an independent insurance agent who has experience working with ministries. Working with an experienced church insurance agent can help you to determine what liability limits are right for your ministry.
Read our article, How Much Liability Insurance Do I Need?
*Important information: Brotherhood Mutual is pleased to provide Legal Assist as a complimentary resource. The services we offer through Legal Assist are intended to provide general legal information to our current and prospective policyholders.
The information we provide is intended to be helpful, but it does not constitute legal advice and is not a substitute for the advice from a licensed attorney in your area. Accordingly, no attorney/client relationship is created through this process, and no legal advice will be provided. We strongly encourage you to regularly consult with a local attorney as part of your risk management program.
Thank you for your interest in Brotherhood Mutual. We appreciate the opportunity to provide your church or other ministry with an insurance quote and will reply to your request as soon as possible.
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