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Church Insurance

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All Church Protector Program

Protect your congregation with broad insurance coverage specifically designed to meet the needs of your church.

Our All Church Protector Policy includes the following coverages.

Consult your agent to tailor a policy with adequate limits to meet the insurance needs of your church organization.

Property
Property Coverage

  • Fences, light-bearing standards or poles
  • Outdoor property ($500 maximum per item) – radio and TV antennas, satellite dishes, trees, shrubs or plants
  • Outdoor signs
  • Newly acquired property or new construction – up to 180 days, up to $500,000 at any one location
  • Extra expense coverage
  • Personal effects of clergy, staff and employees on the insured premises
  • Valuable papers and records coverage
  • Personal property of others in your care, custody or control

Note: A deductible applies to some of the coverages.

  • Business Personal Property off-premises
  • 10% of the Limit of Insurance or $20,000, whichever is less, applies to appurtenant structures and utility buildings
  • Church property in dwelling quarters maintained for use by an employee
  • Fire extinguisher recharge
  • Damage to Non-Owned Detached Trailers
  • Refrigerated products spoilage
  • Backup of sewers, drains or sumps
  • Reward Payment

Liability Coverage

  • Choice of protection limits, up to $1,000,000 Annual Aggregate
  • Persons insured include any clergy, elder, deacon, vestryman, council member or any member of the board of trustees, governors or board of education while acting within the scope of his or her duties and any other member of the church while on the church’s business.
  • Damage to Premises Rented to You
  • Damage to Property of Others

Medical Payments Coverage

  • Medical Payments coverage
  • Medical Payments coverage for persons donating labor
  • Medical Payments coverage for church-sponsored athletic event

Note: A deductible applies to some of the coverages.

Crime Coverage

  • Church theft including double money coverages for principal religious holiday periods
  • Employee dishonesty and faithful performance coverage
Customize a policy that is right for your church with additional coverage options.

Information in this brochure is only a summary of the provisions of the policy. Certain terms, exclusions, and limitations apply. For details, consult your policy or your independent Celina Insurance Group agent. Coverage is underwritten by The Celina Mutual Insurance Company in IN, OH and TN.