Your Milford, PA church may not be a commercial enterprise, but it still requires certain types of commercial insurance. Ensuring that your church is fully covered provides peace of mind, knowing you’ll have support if an unfortunate incident results in structural damage, injuries, or legal action against your place of worship.

Property Damage Coverage

Commercial property damage insurance protects the church structure and its contents. While the included perils vary depending on the policy you choose, most property damage policies cover fire, theft, vandalism, and certain natural disasters. Additionally, you can add endorsements to your policy to address specific needs unique to your church.

Liability Insurance

Liability insurance covers medical expenses and other costs for third parties injured while on your premises. This type of coverage is essential, especially for churches that experience high foot traffic. Choosing a policy with a high liability limit is recommended. Alternatively, you can bundle liability insurance with a commercial umbrella policy to increase your coverage limit for expensive medical bills, settlements, or judgments.

Commercial Auto Insurance

If your church owns vehicles, they must be covered under a commercial auto insurance policy. Additionally, a pastor’s personal vehicle may require commercial insurance if it is regularly used for church activities or if church employees are permitted to drive the vehicle for church-related events.

Contact RH Worthington Group for Assistance

Every church in Milford, PA, is unique and has specific coverage needs. At RH Worthington Group, we specialize in helping our clients assess their insurance needs and select the most suitable coverage options. Contact us today to learn more about our services or to request policy quotes.