Church Insurance

Church Insurance

Kentucky Farm Bureau Mutual Insurance Company is pleased to offer your church broader coverage and greater freedom than ever before. This comprehensive, competitively priced package policy includes coverages usually needed by church groups, yet is flexible enough to be tailored to your church's unique needs.

  • Property Coverages
  • Extensions of Coverage
  • Optional Property Coverages
  • Optional Crime Coverages
  • Liability Coverages
  • Optional Liability Coverages

Property Coverages
The standard property deductible is $500. Higher deductibles are available.

We Offer the Following Cause of Loss Forms:

Basic Cause of Loss - Includes the following perils:

  • Fire
  • Lightning
  • Explosion
  • Windstorm or Hail
  • Smoke
  • Aircraft or Vehicles
  • Riot or Civil Commotion
  • Vandalism
  • Sprinkler Leakage
  • Sinkhole Collapse
  • Volcanic Action

Broad Cause of Loss - All Basic Cause of Loss Perils, plus:

  • Falling Objects
  • Weight of Snow, Ice or Sleet
  • Water Damage

Special Cause of Loss Excluding Theft

  • Risks of direct physical loss except as excluded or limited

Special Cause of Loss Including Theft

  • Risks of direct physical loss except as excluded or limited

Extensions of Coverage
At least 80% coinsurance must apply

Your church will automatically be provided the following extensions of coverage at no extra cost. These can save you money now and more importantly at the time a loss occurs.

Newly Acquired or Constructed Property

  • Buildings - Maximum of $250,000 at each building
  • Business personal property - Maximum of $100,000 at each building
  • Maximum of 30 days

Personal Effects and Property of Others

  • Limited to $2,500 at each described premises

Valuable Papers and Records (Other than Electronic Data)

  • Limited to $2,500 at each described premises

Property Off-Premises

  • Limited to $10,000

Outdoor Property

  • Limited to $1,000 but not more than $250 for any one tree, shrub or plant

Non-Owned Detached Trailers

  • Limited to $5,000

Additional Coverages Included

  • Debris Removal
  • Preservation of Property
  • Fire Department Service Charge - Up to $1,000
  • Pollutant Clean Up and Removal - Maximum of $10,000
  • Increased Cost of Construction - Maximum of $10,000
  • Electronic Data - Maximum of $2,500
  • Stained Glass - $25,000*
  • Business Income - Actual Loss Sustained
  • Outdoor Sign - $1,000*
  • Inside the Premises - Theft of Money and Securities - $1,000*
  • Outside the Premises - $1,000*

Some Optional Property Coverages Available

  • Replacement Cost
  • Inflation Guard
  • Earthquake
  • Water Back-Up and Sump Overflow
  • Mine Subsidence (available for qualified counties)

Some Optional Crime Coverages

  • Employee Theft
  • Forgery or Alteration
  • Inside the Premises - Robbery or Safe Burglary of Other Property
  • Computer Fraud
  • Funds Transfer Fraud
  • Money Orders and Counterfeit Money 

Liability Coverages
(Limits Available)

  • $100,000 per occurrence/$200,000 aggregate
  • $300,000 per occurrence/$600,000 aggregate
  • $500,000 per occurrence/$1,000,000 aggregate
  • $1,000,000 per occurrence/$2,000,000 aggregate
  • $2,000,000 per occurrence/$4,000,000 aggregate
  • $3,000,000 per occurrence/$6,000,000 aggregate

This liability coverage protects your church against claims for which it becomes legally responsible that arise from Bodily Injury and property Damage due to the use of the listed premises and all necessary or incidental operations throughout the Coverage Territory, including:

  • Personal and Advertising Injury Liability
  • Products/Completed Operations
  • Medical Payments  -  $5,000* per Person
  • Damage to Premises Rented to You  -  $100,000* Any One Premise  

Exclusions and Limitations Apply

Additional Coverages Included

  • Hired and Non-Owned Auto
  • Clergy Counseling Professional Liability
  • Church Sponsored Sport or Athletic Activity
  • Sexual Molestation - Same as occurrence limit - Subject to $500,000 Maximum

Optional Liability Coverages Available Include:

  • Directors and Officers

* Higher limits are available for an additional premium.

Fast Claims Service
We have adjusters throughout Kentucky, so when you call for help you can expect your claim to be handled quickly and efficiently.

Be sure with Kentucky Farm Bureau Insurance
Contact your local Kentucky Farm Bureau Insurance agent for more details about policy coverages and availability. No matter where you are in Kentucky, there's an agent near you.

Representations contained in this web page are for illustrative purposes only. Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. AD-26 (06/11)