Religious Institutions

Religious institutions and houses of worship have unique risk management needs.  This program combines polices for property, general liability, and management liability coverage into one package. 

Eligible classes of business:
Denominational and non-denominational churches and other houses of worship, including elementary schools or high schools.  This includes their affiliated social service agencies such as respite care, meals on wheels, family skills training, marriage counseling, domestic abuse services, community action agencies and information and referral services.

Specific lines/coverages:

  • Property / inland marine / crime / equipment breakdown
    • Comprehensive proprietary coverage form
    • Blanket limits
    • Agreed value
    • Replacement cost
    • Bundled/enhancement endorsement
    • All standard IM and crime coverage available
  • Commercial general liability (up to $1M/$3M)
    • Occurrence
    • Religious enhancement endorsement
    • Pastoral counseling / cemetery liability
  • Management portfolio
    • Management liability /educators management liability ($1M/$1M)
    • Miscellaneous professional liability ($1M/$1M)
    • Social services and healthcare professional liability ($1M/$3M)
    • Sexual abuse or molestation, including physical abuse endorsement (up to $2M/$2M)
    • Fiduciary ($1M/$1M)
  • Commercial auto liability and physical damage ($1M CSL)
  • Umbrella liability (up to $5M/$5M)

State availability:
50 states plus the District of Columbia

Program contact person:
Maureen Brown

maureenbrown@munichreamerica.com