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Ask an Agent: Churches & Worship

Just like your home, auto, renters, boat, and more insurance, places of business need to protect and insure their assets, employees, and more. Here at Mulling, we provide specific insurance to best serve the needs and services of a number of businesses, including churches and places of worship. So, what types of insurance do churches need to have? What's different about insuring churches as opposed to other businesses? 

Over the last 55 years, Mulling has insured over 2,500 places of worship and affiliated schools. With so much experience, who better to ask than the experts? In this new series, Ask an Agent, the agents at Mulling will be sharing more about specific insurance needs for personal and commercial insurance, starting with churches and places of worship!

For this blog, we chatted with one of our Commercial Agents, Rafael Torres, about insurance for places of worship. Check out his answers below! 

Why do churches need insurance?

Churches need insurance in order to protect the pastors, employees, and buildings they own or rent. In addition, churches sometimes operate schools or daycares, so they will need to have insurance for that as well so they can provide for the community in the safest way possible.

What kinds of insurance do churches need?

Some of the types of insurance that churches need or should have are Commercial Property Insurance, General Liability Insurance, Workers' Compensation Insurance, Commercial Auto Insurance, Directors and Officers Insurance, and Sexual Conduct Liability Insurance.

Now, that might sound like a lot, but each unique policy serves a purpose in protecting the religious institution. It's important to have a well-versed, knowledgeable agent to help you navigate the specifics of each insurance policy and explain the value behind each. 

What additional types of coverage are beneficial for churches?

Pastoral or Religious Counseling, Church Security, volunteer, and youth safety within the church are additional coverage options churches should consider.

Why should churches work with Mulling for their insurance needs?

For a number of reasons! First and foremost, we are experts in our field and provide all of the services and policies your church or place of worship needs. By serving over 2,500 institutions and helping them find their policies, we understand your concerns, address your problems, and ensure your individual needs for your church are met. In addition, many of our company employees are like your members. We understand the value of the services that you provide, and our company's and employees' values align with yours.

Want to learn more about Mulling's insurance offerings for churches and places of worship? Contact us today!

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