We have teamed up with Mutual of Enumclaw to offer insurance coverage for churches and religious institutions. Mutual of Enumclaw is a leading writer of churches and church property and has been a preferred insurance provider for independent agents for more than a century. Property Coverage The property coverage portion of our Emerald Series Church Policy provides precisely the kind of insurance protection your place of worship needs. It covers the church building and auxiliary buildings, such as the parsonage or education building, owned by the church. The policy also provides protection for fixtures, equipment and church supplies. Applicable to Buildings and Business Personal Property Special Form (Causes of Loss Insured Against are Risks of Direct Physical Loss Unless Excluded or Limited). Replacement Cost Valuation. No Coinsurance provision. $250 Deductible each occurrence. The deductible does not apply to Business Income and Extra Expense, Fire Department Service Charge, Arson Reward, Recharging of Fire Extinguishers, Lock and Key Replacement or Inventory and Loss Adjustment Expense. Higher deductibles are available. Newly Acquired or Constructed Property - $1,000,000 for Buildings, $500,000 for Business Personal Property. Inventory and Loss Adjustment Expense - $2,500. Backup of Sewers and Drains - $50,000. Equipment Breakdown Coverage. Building Coverage Highlights Included in the Limits of Insurance Building Glass, including Stained Glass or Art Glass. Building Materials and Supplies - Loss by Theft. Signs on the Insured Premises. Fences, Antennas, Satellite Dishes. Gutters and Downspouts - Weight of Snow, Ice or Sleet. Additions to the Limits of Insurance Building Ordinance or Law Coverage*. $250,000 combined for Loss to the Undamaged Portion of the Building, Demolition Cost and Increased Cost of Construction. Debris Removal*. $25,000 + 25% of the Recoverable Property Loss + the Applicable Deductible. Outdoor Signs (Away From Premises)* - $5,000. Automatic Annual Increase in Building Limit. Business Income and Extra Expense - Actual Loss Sustained up to 12 months. Trees, Shrubs, Plants - $500 per tree, shrub or plant - $10,000 per occurrence. Fire Department Service Charge - $15,000. Pollutant Clean Up and Removal - $15,000. Arson Reward - $5,000. Recharging of Fire Extinguishers - $10,000. Business Personal Property Coverage Highlights Personal Effects of clergy* (at or away from described premises) - $5,000 per Clergy - $25,000 each Premises. Personal Effects of others* (at the described premises) - $2,500 per Person - $10,000 each Premises. Accounts Receivable* - $25,000. Valuable Papers and Records* - $25,000 - Cost of Research. Electronic Data Processing Coverage* - $5,000 - Hardware - $5,000 - Electronic Data and Media. Electronic Data Processing Extra Expense* - $5,000. Utility Services* - $10,000. Spoilage* - $2,500. Money and Securities* - $10,000 Inside - $2,000 Outside. Limits are doubled on Easter, Thanksgiving, Christmas and your specified day of choice, as well as the four days preceding and following each. Employee Theft* - $15,000. Forgery and Alteration* - $5,000. Money Orders/Counterfeit Paper Currency* - $1,000. Personal Property Off Premises (in transit or at a temporary location) - $25,000. Lock and Key Replacement - $2,500. Liability Coverage The Liability coverage portion of our Emerald Series Church Policy protects your church against accidental bodily injury or property damage sustained by any person who might be injured while on church property or while participating in church activities. Any church officer, clergy, employee, member or volunteer worker is afforded protection by this policy while on church business. Day care or school operations are eligible if owned and operated by the church. Basic limits are $300,000 per occurrence/$600,000 aggregate (the maximum amount that will be paid annually for all occurrences). Higher limits are available. Other Features Include: Hired Auto and Nonowned Auto Liability. Watercraft Liability - Nonowned (less than 51 feet in length). Volunteer Worker Medical Payments. Property Damage to Premises Rented to You - $300,000. Automatic Coverage for Newly Acquired Organizations for 180 days. Extended Property Damage - $1,000. Optional Coverages Available: Sexual Misconduct or Molestation Liability. Counseling Professional Liability. Employment-Related Practices Liability - $15,000 per injury/$15,000 aggregate limit (Defense included within limit). Athletic/Sports Participants Medical Payments (Excess Basis). Hired Auto Medical Payments and Physical Damage. Directors and Officers Liability. Employee Benefits Liability. Cemetery Professional Liability. Umbrella Liability. Blanket Insurance. Commercial Automobile coverage is available under a separate policy. These definitions are not applicable in all states or for all products. This is not an insurance contract. Other terms, conditions, and exclusions apply. Please read your policy for full details about the coverage’s. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control. |
