CHURCH PROGRAM

PROGRAM GUIDE - ELIGIBILITY and REQUIREMENTS: The Church Program is designed to cover Churches, Synagogues, Temples, and Chapels as well as other houses of worship.

Coverage Available as:
Commercial Package Policy or Monoline Commercial General Liability

Building (if owned) - Business Personal Property coverage - Commercial General Liability coverage for Premises Operations

Application

USE: CHURCH APPLICATION - GIC CHURCH

Property Limits

MAXIMUM Property Limits Including or Excluding WINDSTORM OR HAIL

THE MAXIMUM AVAILABLE LIMIT on any one risk, for all Section I exposures, with or without WIND OR HAIL is $1,250,000. This includes coverages for ALL Buildings, Your Business Personal Property and Business Income.

AGE CRITERIA FOR BUILDINGS

Coverage for buildings over 50 years old will be unacceptable, unless an evidence of updates for heating, cooling, electrical and plumbing systems are included with submission.

ROOF AGE CRITERIA FOR BUILDINGS WITH WIND COVERAGE

Buildings over 25 years old- Evidence of roof replacement will be required upon binding.
Acceptable evidence: Roofing permit.

EQUIPMENT BREAKDOWN COVERAGE INCLUDED

Every policy covering property (Buildings or BPP or both) automatically includes coverage for damage caused by such perils as artificially generated electrical current, mechanical breakdown, pressure equipment losses and more.

The following is just a sample of the type equipment that can be protected by equipment breakdown coverage:

• Heating and air conditioning units
• Refrigeration units
• Computers
• Communication equipment
• Emergency Generators
• Diagnostic equipment
• Electronic equipment

General Liability Limits

Maximum Coverage Limits:

• $1,000,000 Each Occurrence
• $2,000,000 General Aggregate
• Products and Completed Operations Included in General Aggregate
• $100,000 Damage to Premises Rented to You (Fire Damage) –Any one Premises
• $5,000 Medical Expense Limit (any one person)
• $100,000 Sexual Misconduct (each claim/aggregate)
• $100,000 Spiritual Counseling (each claim/aggregate)
• $100,000 Directors and Officers Liability (each claim/aggregate)

Class Codes

• 41650 - Churches or Other Houses of Worship; Premium Base: a+ (area) Product/completed operations included in class code.
  
• 44277 - Hall (Fellowship, Social Center, Parish, or Family Center) Premium Base: Area; Product/completed operations included in class code.
• 41716 - Day Care Center. Premium Base: per person; Product/completed operations included in class code.

Dwellings owed by the Church including Parsonages are eligible for liability coverage under the Rental Dwelling Program. Please submit completed GIC Rental Dwelling Liability Application for a quote.

Additional Insured

The following Additional Insured Interests may be added to the Church policy:

Lanlord - Premises insured rents or occupies

Leasing company of leased equipment

Mortgagee

Special Events
(Unacceptable Additional Insureds for the following activities: Carnivals or Fair type Events)

Eligible Accounts

• Churches, Synagogues, Temples, Chapels as well as other Houses of Worship
• Churches with Church-operated Day Care Centers
• All buildings should be locked when not in use
• The quality of the covered location should reflect the management’s proactive attitude towards preserving property and preventing injuries by implementing regular preventative maintenance and housekeeping programs

Prohibited Classes

• Churches with schools or other academic programs.
• Buildings under construction or undergoing structural renovations.
• Churches with off premises summer camps.


• ATHLETIC OR SPORTS PARTICIPANTS –EXCLUDED


• MEDICAL PAYMENTS TO CHILDREN ENROLLED IN A DAY CARE CENTER-EXCLUDED.

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