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Insurance

Insurance Made Simple

CM Select is here to make insurance buying easy. Our tailored policy, built exclusively for smaller churches and other religious organizations, provides exactly the coverage you need. Work with an agent, or purchase your policy online: the choice is yours. Get a quote.

State Availability

Currently providing insurance coverage for smaller churches and religious organizations in Alabama, Arizona, Arkansas, Colorado, Georgia, Illinois, Kansas, Louisiana, Michigan, Missouri, North Carolina, Oklahoma, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wisconsin and expanding across the U.S. Click here to get notified when your state is added.

Property & Liability Insurance

Coverage for the things that matter most to you

Property Coverage

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Buildings and Other Structures

We cover the things that make your house of worship unique.

Stained Glass Windows

Included with Building coverage

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

Buildings

As stated

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.

Extra Expense

12 months

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.

Newly Constructed or Acquired Buildings

$250,000 (if Buildings coverage selected on policy)

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

Debris Removal

Up to 25% of loss plus $25,000

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

Outdoor Property

$2,500

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

Lock Replacement

$500

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

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Additional Included Coverages

Because our policy was built with you in mind, a number of additional coverages are included at no additional cost.

Identity Theft

$15,000 expense reimbursement, 12 months case management

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

Electronic Data

$10,000

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

Interruption of Computer Operations

$10,000

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.

Pollution Cleanup

$10,000

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

Ordinance or Law

$10,000

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

Fire Extinguisher Recharge

$5,000

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

Fire Department Service Charge

$5,000

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

Civil Authority

Up to 4 consecutive weeks or when Business Income Coverage ends

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.

Equipment Breakdown

Variable

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.

Tools and Equipment of Others

$5,000

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

Gravesite Structures

Up to $5,000

Provides coverage for select gravesite structures.


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Business Personal Property

We know that your religious organization is more than just your buildings, which is why our policy covers your personal property, too.

Business Personal Property

As stated

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

Loss of Business Income

12 months

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

Newly Aquired Business Personal Property

$100,000 (if BPP coverage selected on policy)

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

Accounts Receivable

$10,000 on-premises, $5,000 off premises

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

Valuable Papers and Records

$10,000 on-premises, $5,000 off premises

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

Business Income from Dependent Properties

$5,000

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

Forgery and Alteration

$2,500

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.

Personal Effects

$5,000

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

Money Orders and Counterfeit Money

$1,000

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

Personal Property Off-Premises

$25,000

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

Business Personal Effects of Clergy

$10,000

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

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Add-On Coverages

Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

Money and Securities

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

Employee Dishonesty

Provides coverage for dishonest or fraudulent acts committed by employees.

Outdoor Signs

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

Water Back Up of Sewers or Drains

Provides coverage for damage that results from backup of water or sewage from sewers and drains.

Inland Marine (Statues, Camera Equipment, Fine Art)

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

Key Person Replacement Cost Coverage

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

Food Contamination

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.


Liability Coverage

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General Liability

Provides coverage for your organization, employees and volunteers against claims of negligence.

Business Liability

As selected

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

Damage to Premises Rented to You

$50,000

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

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Additional Included Coverages

Because our policy was built with you in mind, a number of additional coverages are included at no additional cost.

Cyber Liability

$50,000

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.

Catastrophic Event

$50,000 per person / $300,000 per incident

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

Incidental Liquor Liability

Included

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

Non-Owned Watercraft Liability (boats under 51 ft and not for hire)

Included

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


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Medical

Provides coverage for medical expenses regardless of fault.

Medical Expenses (regardless of fault)

As selected

Provides coverage for necessary medical expenses regardless of fault.

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Add-On Coverages

Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

Abuse and Molestation Liability

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

Counseling Liability

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

Hired, Non-Owned & Rented Auto Liability

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

Employment Practices Liability

Provides coverage for claims against unfair employment practices.

Worldwide Liability

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

Expanded Legal Defense Coverage

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


Discounts Available

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