Q. What Types of Insurance to you carry?

A. This all depends on the size and activities the church is involved in. The type of insurance needed will be determined after the diagnostic review. Large churches with a significant number of international mission trips and a large, active youth group, will need more and different coverage than a smaller church with fewer activities.

Q. How do I know what kind of Insurance my Church or Organization needs?

A. Once you complete our Free Insurance Rate Quote Form we will meet with you and find out what exposures the church has. Then we will review your current insurance program to see if those exposures are insured adequately. After that we will recommend the appropriate insurance coverage for your church.

Q. Is sexual misconduct liability covered under my General Liability limit?

A. No, sexual misconduct liability is a separate liability coverage with separate limits of liability.

Q. What is an Umbrella Insurance Policy?

A. An Umbrella Policy provides excess limits of liability insurance coverage. Once the liability limits have been exhausted under your general liability, workers compensation, and business auto insurance policies due to a claim, then the umbrella policy would provide additional coverage up to its limits.

Q. Can a Church get insurance coverage for wrongful termination or sexual harassment suits?

A. Yes, (EPLI) employment practices liability insurance can be added right on the Church package Policy. The EPLI can cover wrongful termination, sexual harassment, discrimination, mental anguish and other employment-related litigation.

Q. What does workers' compensation insurance cover?

A. Workers' compensation insurance pays for work related injuries as well as employee medical bills, rehabilitation cost and lost time. Workers are only covered for on the job injuries. This does not replace medical insurance.

Q. Our organization, church or school operates in both NC and SC. Can you still provide insurance for us?

A. Yes, we are licensed to write insurance in both North Carolina and South Carolina and we would be honored to work with you to meet your insurance needs.