Church and Religious Organizations
The Religious Organization program offers the Ministry First policy that includes unique coverage such as Sexual Abuse, Counseling, and Directors & Officers liability for churches and other religious organizations.
Key Standard Coverages
- Signs and Glass included as a building item (attached, unattached and off premises)
- Building definition includes fixed seats and desks, fixed tables, railings, altars, clocks, bells, organs, electric sound and communications equipment, fire curtains and stained glass
- Business Income includes 120 Day Extended Period of Indemnity
- Personal Effects of Clergy-$15,000 per clergy/$30,000 Aggregate
- Parsonage contents-$5,000 if owned by church
- No coinsurance provision
- Directors & Officers Liability-Occurrence Form
- Personal Counseling Liability-Occurrence Form
- Sexual Molestation-Occurrence Form
- Excess Medical Payments
- Limited Valet
- Theft, Disappearance & Destruction (double on 5 selected days)-$1,000 (higher limits available)
- Protection Against Dishonesty-$10,000 (higher limits available)
Key Options
- Actual Loss Sustained on Business Income & Extra Expense
- Actual Loss Sustained on Electronic Data Processing & Equipment Media (includes Business Income & Extra Expense)
- Building Ordinance or Law
- Utility Services-Direct & Indirect (includes Business Income & Extra Expense)
- Equipment Breakdown
- Water Back-Up of Sewer & Drains-$10,000 ($1,000 deductible)
- Employee Benefits Liability
- Hired & Non-owner Auto
- Educators Legal Liability
- Additional Bundle of Coverage
- Special Bundle of Coverage
Program available in all states except FL, HI, LA, MS, AK, VT.
For more information contact:
Dean Parker
dparker@argogroupus.com
1-800-325-8299 or send a submission to: cim@argogroupus.com