HOUSE OF WORSHIP INSURANCE COVERAGE

Replacement cost coverage for your stained glass windows is included with the coverage for your building.

Provides replacement cost coverage for your buildings (including stained glass windows and fixtures), such as houses of worship, offices, and other structures supporting your organization.

Provides coverage for extra expenses incurred to restore your operations as a result of damage to a covered premises from a covered cause of loss.

Provides coverage for buildings newly constructed or which have been newly acquired and are located on the described premises.

Provides coverage for expenses of removing debris from damage to covered property from a covered cause of loss.

Coverage for outdoor fences, radio and television antennas, trees, shrubs and plants from damage due to specifically stated causes of loss.

Provides coverage for the cost of replacing locks when your keys are stolen.

Provides coverage for the property you own that is used to operate and maintain your organization.

Provides coverage for loss of income as a result of damage to a covered premises from a covered cause of loss.

Provides coverage for newly acquired business personal property when business personal property coverage is part of the policy.

Provides coverage for uncollectible amounts due to direct physical loss or damage to your accounts receivable records from a covered cause of loss.

Extends business personal property coverage to apply to direct physical loss to valuable papers or records due to a covered cause of loss.

Provides coverage for actual loss of business income incurred due to a covered cause of loss at the premises of a dependent property.

Provides coverage for loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or written promise of payment for which you issued or by which someone impersonates you.

Extends business personal property coverage to apply to your personal effects while on a described premises.

Provides coverage for loss resulting from accepting counterfeit money in good faith.

Provides coverage for property other than money, securities, accounts receivable or valuable papers and records while in the course of transit.

Extends business personal property coverage to apply to personal effects of your clergy.

Provides case management services and expense reimbursement incurred as a direct result of identity theft.

Provides coverage to replace or restore certain types of electronic data that has been destroyed or corrupted by a covered cause of loss.

Provides coverage for business income and extra expense for loss sustained due to a suspension of operations resulting from corruption of certain electronic data from a covered cause of loss.

Provides coverage for expenses associated with extracting pollutants from land or water if caused by or resulting from a covered cause of loss.

Provides increased coverage for additional loss incurred based upon requirements to conform to current building laws or ordinances.

Provides coverage for expenses incurred to recharge a fire extinguisher damaged or used during a covered cause of loss.

Provides coverage for service charges when a fire department responds to a covered cause of loss.

Provides coverage for actual loss of business income incurred due to a covered cause of loss for which civil authorities impede access to your property.

Provides coverage for direct loss or damage to covered property caused by or resulting from a mechanical breakdown or electrical failure of pressure, mechanical or electrical machinery or equipment.

Provides coverage for personal tools and equipment of others that is being used to repair or renovate your covered property.

Provides coverage for select gravesite structures.

Provides coverage for damage that results from backup of water or sewage from sewers and drains. Higher limits available as add-on coverages.

Provides coverage for money and securities as a result of theft, disappearance or destruction while on an insured premises.

Provides coverage for dishonest or fraudulent acts committed by employees.

Provides coverage for signs that are not attached to your building.

Provides coverage for specifically described items that may not always be kept on your premises.

Provides coverage for expenses incurred which are necessary for replacing a named individual due to their loss of life.

Provides coverage for certain expenses and loss of business income due to the described residence being ordered closed by a governmental authority due to discovery or suspicion of food contamination.

Coverage limit includes all third-party losses for bodily injury, property damage, as well as personal and advertising injury.

Provides coverage for damages incurred from a covered cause of loss to premises from which you rent.

Provides coverage for necessary medical expenses regardless of fault.

Provides coverage for damages and claims made against loss of data or a security breach due to a computer virus or malicious attack enacted upon covered computer systems.

Provides coverage for medical and counseling services resulting from an intentional criminal act affecting two or more people.

Provides liability coverage when permitting consumption of alcoholic beverages on your premises.

Provides liability coverage for operation of a boat that you do not own, that is not being used to carry people for a charge.

Provides liability and medical coverage for bodily injury which occurs as a result of abuse or molestation.

Provides coverage for acts or omissions resulting from counseling services provided to others.

Provides liability, medical and physical damage coverage for borrowed, hired or rented autos not owned by an insured.

Provides coverage for claims against unfair employment practices.

Extends the coverage territory for bodily injury and medical expenses to apply while anywhere in the world.

Provides coverage for defense costs incurred as a result of an eligible “suit” proceeding in a court of proper jurisdiction.

Protection for your directors, officers, trustees and other elected members of your governing board against allegations of wrongful acts.