Liability insurance can help protect your ministry if someone is injured or suffers a  loss connected to ministry activities — on or off your property. It can also help defend you if you or the people working in your ministry are sued, whether the suit arises out of injury to people or damage to property.

Coverage typically includes the cost of defending you in court — and any court awards or settlements — up to the limits of your policy.

What are Coverage Limits?

Liability limits determine the maximum amount that an insurer will pay on behalf of a ministry and its covered individuals if a liability claim is made. Michael Allison, chief counsel for Brotherhood Mutual, encourages you to look at the following four factors when selecting liability limits:

• The likelihood of loss
• The ministry’s assets 
• The likely damages a court would award for a loss
• The ministry’s “appetite for risk”

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Tags: church leadership, church liability insurance

This entry was posted on November 21, 2019 at 11:10 pm. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Posted in Church Insurance Church Safety by Scott Stuart Comments Off on Church Liability Insurance