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Insurance Coverage

Property:

PresbyterianOne offers a broad coverage form to protect your buildings and contents. Our form also provides coverage for fine arts, musical instruments and stained glass. Our policy will repair or replace property with quality materials and return your property to the same or better condition as before the loss. The property form includes building ordinance. This coverage is important if you have an older facility and a covered peril causes severe damage to the building(s). The municipal codes may require demolition, replacement of undamaged property, and the building(s) be brought to code (for example: sprinklers, ADA regulations, etc.)

Commercial General Liability:

The general liability policy has been expanded to cover not only bodily injury or property damage to a third party on and off your premises, but provides pastor professional, counseling, sexual abuse and teacher liability. PresbyterianOne understands church exposures and has automatically included these liability coverages.

Crime:

No church thinks that a theft by a church volunteer or employee will occur. Unfortunately, our experience has shown this type of crime can occur. We have created coverage to protect your church from the financial burden this may cause.

Automobile:

PresbyterianOne provides coverage for owned, non-owned and hired automobile operated on behalf of the church.

Directors & Officers Liability:

For all participating churches, PresbyterianOne has included Directors and Officers Liability including Employment Practices Liability. This coverage provides protection from allegations of a wrongful act including any negligent act, error, omission, breach of duty, misstatement or misleading statement, or other acts done or wrongfully attempted by the minister, employees, directors, and officers while acting in their capacity as such. The coverage has been expanded to include sexual harassment, wrongful termination and discrimination allegations.

Umbrella or Excess Liability Coverage:

In case of a catastrophic liability claim, such as a major accident with multiple casualties, the total exposure could easily exceed the $1,000,000 basic liability limit. PresbyterianOne has created an umbrella policy that provides high limits of excess coverage.

Flood:

PresbyterianOne provides primary coverage for those churches not located within the 100-year flood zone. This policy is excess of the National Flood Insurance Program for those churches located within the 100-year flood zone.

Earthquake: (Excluding CA)

PresbyterianOne provides earthquake coverage.  We can obtain a quotation outside the program.