When it comes to protecting a place of worship, it is natural to have questions. At Selkirk Insurance Services in Sandpoint, ID, we understand that religious institutes have unique insurance needs. Whether you are a church, mosque, synagogue, or temple, having the right coverage in place ensures peace of mind for your community. Below, we have answered some of the most frequently asked questions we hear from religious organizations.
What Exactly Does Religious Institute Insurance Cover?
Religious institute insurance typically covers the property, liability, and sometimes even the people who serve the organization. This includes protection for your buildings, sacred objects, furnishings, and musical instruments. It also includes liability coverage in case someone gets injured on the premises or if there is a claim made against the organization for something like counseling services.
Do We Really Need Insurance if We Are a Small Congregation?
Absolutely. Even small religious groups face risks. A simple slip-and-fall accident or a storm damaging the roof can lead to major expenses. Insurance provides a safety net, allowing your institution to continue its mission without unexpected financial stress.
Can Volunteers or Clergy Be Covered?
Yes, many policies offer optional coverage for both paid staff and volunteers. Depending on the structure of your organization, you may also want to consider professional liability or abuse and molestation coverage. Every institute is different, which is why a customized policy is so important.
How Do We Get the Right Coverage?
It starts with a conversation. At Selkirk Insurance Services in Sandpoint, ID, we take the time to understand your mission, your people, and your property. Reach out today, and let us make sure your religious institute is protected so you can focus on what matters most, serving your community.
