Pinnacle Policy

The Pinnacle Policy covers Multi-Peril Property and Liability Insurance.

Multi-Peril Property Insurance

  • For buildings and their contents
  • Covers the cost of repairing or replacing damaged or stolen property

The all risk policy has expanded coverage to include:

  • Stained glass windows
  • Organs, carillons and bells
  • Altarware
  • Fine art objects

Covered losses included:

  • Burglary and theft
  • Broken glass – no limit
  • Flood and water damage
  • System breakdown

Liability Insurance

  • Personal injury protection, which includes:
    • Libel and slander
    • Mental anguish and injury as a result of physical injury
  • Physical Injury while on church property or participating in a church activity
    • Covers reasonable medical, dental and surgical expenses
    • Expenses must be incurred within two years of injury
  • Liability
    • Commercial General Liability
    • Sexual Misconduct Liability
    • Pastoral Counseling Liability
    • Employee Benefits Liability
    • Hired & Non Owned Auto Liability
    • Cemetery/Columbaria Liability
    • Teachers Liability
    • Products Completed Liability
    • Host Liquor Liability
  • Optional protection against sexual misconduct allegations
    • Maximum $1 million per suit
    • Policy limit of $2 million 

This is a summary of the coverage provided by The Church Insurance Companies1. The actual insurance policy or certificate should be consulted for complete details of coverage. In the event that the information on this web page conflicts with the actual insurance policy, the actual insurance policy shall govern.

1The Church Insurance Company of Vermont, The Church Insurance Company, and The Church Insurance Agency Corporation. 

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