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...ral Liability Directors & Officers (D&O) Crime Umbrell...

Demetriou General Agency is proud to offer our specialized Church Insurance program—Religious Institutions Advantage—designed to meet the unique needs of religious organizations and faith-based institutions. With years of experience serving this niche, we understand the complex exposures faced by churches, synagogues, mosques, and similar institutions, and we’ve built a comprehensive solution to help agents like you place this business with confidence. Ideal Accounts and Appetite This program is ideal for a wide range of religious organizations, including but not limited to: Churches and houses of worship Religious schools and daycare centers Faith-based community centers Nonprofit organizations affiliated with religious institutions Whether you are working with a small local congregation or a large multi-location ministry, we can help you find the right coverage fit. Accounts with educational components, sponsored outreach activities, or child care services are well within appetite. Coverage Highlights and Advantages Our Religious Institutions Advantage Program offers robust and flexible coverage options to address standard and specialized exposures, including: Comprehensive General Liability – Primary limits up to $1,000,000 Medical Payments – Helps address minor injuries on premises Sexual Misconduct Liability – Optional but critical for institutions with youth programs Special Equipment – Coverage for sound systems, musical instruments, and more Vehicles and Transportation – Including vans and buses used for church activities Unusual Liabilities – Tailored options for unique ministries or outreach programs We also support automated premium payments for added convenience and policy customization as your client's needs evolve. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and nature of the account. Accounts with solid risk management practices, clean claims history, and stable operations are particularly attractive. Our underwriting team is responsive and ready to help you navigate unique or complex submissions. Territories and Availability This program is available in the following states: Connecticut (CT), Maine (ME), Massachusetts (MA), New Hampshire (NH), New Jersey (NJ), New York (NY), Pennsylvania (PA), Rhode Island (RI), and Vermont (VT). Coverage may be placed on either an admitted or non-admitted basis, depending on the state and risk profile. Why Work With Demetriou Group? As a trusted Managing General Agency, Demetriou General Agency offers deep expertise in the religious sector and access to a broad range of markets. Our team is committed to helping you serve your clients with excellence while providing flexible solutions and responsive service. We look forward to building long-term partnerships with agents who value reliability, speed, and specialized knowledge. For questions or additional information, please contact: John Mavroukas [email protected] Vice President, Demetriou General Agency 1-212-897-6912 ext 4208 Frequently Asked Questions What types of accounts are a good fit for this program?Churches, religious schools, daycares, and nonprofit faith-based organizations are all within appetite, especially those with youth programs or sponsored activities. Is sexual misconduct liability coverage included?This is offered as an optional coverage and can be added based on the needs of the religious institution. Are schools or child care services operated by churches eligible?Yes, our program is designed to cover affiliated operations like schools and child care services, provided they meet underwriting guidelines. Which states is this program available in?The Church Insurance program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. What is the minimum premium for this program?Minimum premiums vary depending on the risk, size, and coverage selected. Contact us for specific underwriting guidance. Need help placing an account? Connect with a market specialist.

...ral Liability Directors & Officers (D&O) Crime Umbrell...