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For churches
Reach out for the right protection
Through your work with the church, you reach out to a vast number of people who depend
on you for spiritual enrichment, counseling and a helping hand. Our All Churches
Protection Package combines the right coverages you need to provide a complete insurance
program geared to the special needs of the church. We offer a host of special coverages
for your church, plenty of optional coverages and related life insurance protection.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Protect your facilities
Our broad range of property coverage provides protection for your financial assets,
insuring your buildings and contents as well as many other items on your church premises,
such as:
- Statuary and yard fixtures
- Signs, fences and recreational equipment
- Trees, shrubs and plants
- Stained glass windows (optional)
- Typical inside items that are covered include: Pews, seats, tables and railings
- Altars
- Clocks and bells
- Permanently attached communications equipment
With our package, you also receive temporary coverage for newly constructed and/or
newly acquired buildings, as well as personal property at newly acquired locations.
Your money and securities are also insured under our property coverage in addition to
your valuable papers and records. Our extra expense feature reimburses you if you must
rent additional space or equipment as a result of covered damage on your premises.
Protect your staff
Because the nature of your work requires interaction with a great number of people,
it’s important that you protect yourself—as well as your staff and
volunteers—against possible liability claims brought against you. Our comprehensive
liability coverage provides the right protection to guard against those liability claims
that could arise from:
- Counseling by a pastor
- Professional services of a teacher. Optional coverage is available to provide protection
against claims arising from corporal punishment.
- Bodily injury caused to others while on or off church premises
- Incidental medical malpractice by a professional on your staff
- Injury or damage caused by volunteers during a church function
Special coverage is also included to pay medical expenses for anyone injured on your
church premises, without regard to legal liability.
As with all liability coverage, the cost of defense and supplementary
payments are paid in addition to any judgements granted.
Optional coverages for your church
We offer over 35 options to help you customize your program, including:
- Employee dishonesty With your choice of limits per occurrence.
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of the owners and the future of your operations.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
Life insurance protection
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our special program for churches? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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