Coverage Options - Kentucky Farm Bureau

Coverage Options

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
  • Personal effects and property of others
  • Valuable papers and records (other than electronic data)
  • Property off-premises
  • Outdoor property
  • Non-owned detached trailers

Additional property coverages included

  • Debris removal
  • Preservation of property
  • Fire department service charge
  • Pollutant clean up and removal 
  • Increased cost of construction 
  • Electronic data 
  • Stained glass 
  • Business income - actual loss sustained
  • Outdoor sign 
  • Inside the premises - theft of money and securities
  • Outside the premises - theft of money and securities

Some optional property coverages available

  • Replacement cost
  • Inflation guard
  • Earthquake
  • Water back-up and sump overflow

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)

  • Limits up to $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
  • Damage to premises rented to you  

Exclusions and limitations apply

Additional liability coverages included

  • Hired and non-owned auto
  • Clergy counseling professional liability
  • Church sponsored sport or athletic activity
  • Sexual molestation

Optional liability coverages available include:

  • Directors and officers

* Higher limits are available for an additional premium.

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