Liability insurance protects your organization and your people* against civil liability for bodily injury, sexual misconduct, pastoral counseling, property damages, and personal injury to others, as well as cyber security, operating as a sanctuary church, and non-owned auto liability.
If a child in your preschool knocks over and hurts another student, or a parishioner is injured by a fall on your Church’s wet floor, you may find yourself facing a lawsuit. You could also be in legal jeopardy if an employee accidentally damages someone’s property while on church business, or if a parishioner is hurt during your church picnic at a local park and the church signed a facilities-use agreement with the recreation district.
Liability insurance should provide a range of protections in addition to those mentioned above, including for such events as a minister performing CPR on a congregant who falls ill during a service only for some adverse reaction to occur, or a company lodging a claim against you because a logo you created for an event inadvertently infringes their copyright.
We also cover potential liabilities such as cyber attacks, operating as a sanctuary church, pastoral counseling, cemetery, teachers, and sexual misconduct.
If a couple alleges that marriage counseling further injured their relationship, that may lead to a claim under pastoral counseling liability; the mishandling of someone’s remains may trigger a cemetery liability claim; an injury to a child in class, including by corporal punishment, could be the focus of a teachers’ liability claim; while physical or emotional injury caused by sexual assault could prompt a sexual misconduct claim.
*Including employees, vestry members, directors, trustees, and volunteers.