Details:
Limits of liability
Broad form protection
Church-related risks
Exclusions
Casualty coverage
with Church Insurance
For details about casualty insurance with Church Life Insurance Companies, call (800) 293-3525, 9 a.m. to 5 p.m. Monday - Friday (Eastern) or email us.
General casualty (liability) insurance protects an organization and its agents against civil liability for bodily injury, property damage, or personal injury to others.
Most general casualty policies designed for not-for-profit organizations protect:
- the corporate entity (the named insured)
- its subsidiaries and affiliates
- their executive officers
- their employees
- their volunteers...
...for their actions on the organization's behalf. Church-related policies may specifically designate ordained clergy, wardens and vestry members as insured.
What's covered
A general casualty policy covers monetary damages that those insured become legally obligated to pay because of an accident during the policy term that causes unexpected, unintended bodily injury, property damage or personal injury to someone else. Each of these conditions must apply.
The policy also covers such costs as lawyers' and expert witness fees, reasonable costs of securing other witnesses for court appearance, post-judment interest, appeal bond premiums, etc. These supplementary payments are normally payable in addition to the stated limit of liability.
A conventional general casualty policy has no deductible.