Comprehensive Coverage for Houses of Worship
Halcyon Underwriters offers a robust Church Insurance program designed for religious organizations of all sizes. Whether your client represents a small rural chapel or a large urban congregation, our program provides tailored coverage solutions that help protect against the unique risks associated with religious institutions.
Ideal Accounts and Program Appetite
This program is ideal for churches, synagogues, mosques, temples, and other houses of worship. We are looking for well-maintained properties with regular religious services, community outreach programs, and low to moderate risk profiles. Accounts with recent renovations or updates are particularly attractive, especially for older buildings.
Examples of good-fit accounts include:
- A mid-sized suburban church with a daycare facility and youth programs.
- An inner-city church that has recently updated its electrical and roofing systems.
Coverage Highlights
Our Church Insurance coverage includes protection for buildings, contents, and liability exposures. Core features may include:
- Property coverage for buildings damaged by fire, wind, or other covered perils.
- General liability for premises, events, and congregational activities.
- Optional endorsements for abuse and molestation coverage, religious counseling liability, and hired/non-owned auto.
- Coverage extensions available for schools, daycare centers, and community services operated by the church.
Premiums are based on factors such as square footage, construction type, year built, occupancy, and geographic location.
Underwriting Considerations and Minimum Premium
This program is written through multiple carriers, providing flexibility in underwriting and pricing. Most markets are admitted. The minimum premium starts at $15,000, making this program best suited for medium to large accounts or those with a broader range of services and property values.
Risk submissions should include building details, claims history, and a breakdown of operations including any auxiliary services like schools or food pantries.
Availability
Halcyon Underwriters offers this program in nearly all U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work with Halcyon Underwriters?
As a leading wholesale broker, Halcyon Underwriters provides access to multiple A-rated carriers and a knowledgeable team that understands the nuances of church-related risks. Our streamlined submission process and underwriting expertise help agents place complex risks with confidence. Visit our company profile to learn more about our broad capabilities.
For more information on appetite, check out our website at www.halcyonuw.com.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for churches, temples, synagogues, and other religious institutions with well-maintained properties and low to moderate risk profiles, including those offering community services or daycare programs.
What coverages are typically included in the church insurance program?
Coverage typically includes property, general liability, pastoral counseling liability, and optional extensions such as abuse and molestation, hired/non-owned auto, and umbrella liability.
What is the minimum premium for this program?
The minimum premium is $15,000, making it best suited for medium to large accounts with higher property values or broader operational exposures.
Are older church buildings eligible for coverage?
Yes, older buildings are eligible, especially if renovations or updates have been completed. Details on construction, updates, and maintenance are important for underwriting.
In which states is this program available?
This program is available in most U.S. states, including all 48 continental states plus Alaska, Hawaii, and Washington, D.C.
Need help placing an account? Connect with a market specialist.