Property

Property Coverages
Our multi-peril policy protects your owned buildings and personal property against most causes of loss.

Some causes not covered include: earth movement (except sinkhole collapse), nuclear hazards, government action, power failure, war, flood, mudslides and seepage, industrial smoke and normal wear and tear.

Systems and Equipment Breakdown Coverage
Church Mutual multi-peril policies automatically provide Systems and Equipment Breakdown Coverage. This means that mechanical breakdown, artificially generated electrical currents, steam boiler explosion and internal damage to steam boilers are considered as additional covered causes of loss.

Among the items included in the Systems and Equipment Breakdown Coverage are your:

• Computers, telephone systems, fax machines and copiers
• Sound, lighting and video equipment
• Air conditioning motors, compressors, systems and piping
• Electrical cable, wiring, panel boards, switch gear and transformers
• Engines, motors, compressors, turbines, pumps, fans, blowers and generators
• Steam boilers, steam piping, steam turbines, steam engines and gas turbines
• Alarm systems, elevators and much more

Coverage Extensions and Additions
Each Church Mutual policy automatically provides several coverage extensions and additions. A specific limit is provided for each of the following:

• Newly constructed buildings for up to 180 days
• Newly acquired buildings and their contents for up to 180 days
• Personal property of others, at your premises and under your care, custody or control, at replacement cost*
• Business personal property of clergy, at or away from your premises, at replacement cost*
• Personal tools and equipment of volunteers, officers, trustees, employees, members and guests, if the tools and equipment are being used for construction, renovation or repair of an insured structure.*
• Valuable papers and records, including computer records
• Property temporarily off-premises, anywhere in the world, for up to 180 days
• Outdoor trees, plants, shrubs, and lawns, damaged by fire, lightning, explosion, riot, civil commotion, aircraft, theft, vandalism and vehicles
• On-premises outdoor structures, including maintenance buildings and their contents, statuary, fences, pavilions, light poles, television antennas and satellite dishes
• 10% of the insurance amount on dwellings for related structures, 5% for your property in the dwelling, 10% for loss of dwelling rental value and 10% for additional living expenses of the occupants
• 25% of the loss (subject to policy limits), plus an additional limit you select, to remove debris of covered property
• Your policy limit for covered property moved off-premises, for up to 30 days, to protect it from a covered cause of loss
• Fire department service charges
• Actual cost to recharge fire extinguishers after their use in fighting a fire on your premises, and the cost to recharge fire suppression systems due to leakage or discharge at your premises and caused by a covered cause of loss (fire, for example)
• Extra operational expenses and loss of income after an insured loss
• Lock repair or replacement if keys are stolen in an insured theft loss
• Refrigerated food spoilage if caused by an off-premises power failure
• Arson reward
• Pollution cleanup due to a covered cause of loss
• Loss of the undamaged portion of a building which must be demolished, demolition costs, and increased cost of construction, due to enforcement of building ordinances

*These extensions are excess over any other insurance that applies to the loss (homeowners insurance, for example). We cover the deductible of the other insurance and the amount of the loss that is not covered by other insurance, subject to the limit specified in your policy.

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General Liability

Comprehensive General Liability
The liability policy includes, as insureds, your clergy, elected or appointed officials and board members, employees, volunteers and most organizations you control.

Protection is provided against claims of negligence involving bodily injury, property damage, personal injury (such as libel and slander, including that arising from your incidental broadcasting activities, as well as Internet usage) and advertising injury. This protection applies to your sponsored activities, even if away from your facilities.

It includes lawsuits originating from your premises, operations, products (including food preparation), construction, athletics and the use of nonowned watercraft.

Damage you cause someone else's facility and for which you are legally liable is covered for up to a specific limit.

Medical Expense
Protection is provided to cover medical expenses of members, guests and volunteer workers who are injured on your premises or while participating in your sponsored activities on or off premises. This coverage is provided regardless of fault.

Medical Expense coverage also can be used for the costs of counseling for victims of sexual molestation and misconduct.

Injuries from athletic and physical training activities may be covered on an excess or primary basis.

Injuries to students and day care attendees may be covered on an excess or primary basis.

Sexual Misconduct and Molestation
Protects your organization and, while acting within the scope of their duties, your members, clergy, officers, board members, employees and volunteers. No protection is provided to anyone who participated in the act of sexual molestation or misconduct.

Supplementary Payments
Church Mutual's multi-peril coverage includes special assistance to help you with the costs associated with a lawsuit. These supplementary payments are in addition to the limit of liability you choose. All payments incurred in your defense*

• All payments incurred in your defense*
• Expenses you incur at our request, including up to $250 per day in lost wages
• Up to $500 for damage to property of others at your activities, even if you are not legally responsible

*Defense costs are within policy limits for optional DO&T, EPL and ELL coverages.
 

Legal Defense Coverage
This coverage provides a specific limit of insurance for defense costs for most lawsuits that are not covered by the multi-peril policy. Examples include contract disputes and landlord/tenant disputes.

This coverage is not the same as payment for legal expenses noted under "Supplementary Payments" above.

Catastrophic Violence Response Coverage
Provides immediate financial assistance-without regard to fault or negligence-for medical and funeral expenses; lost wages; and the costs of counseling, security and public relations associated with a qualifying violent incident.

There are benefits for your ministry, your members and students, and for the victims and their families in the wake of a violent incident such as a multiple-victim shooting or hostage situation.

The violent incident must occur on your premises during an activity you sponsor and result in the serious injury, death or hostage situation of two or more persons (not including perpetrators).

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Crime

Crime Coverages
Theft of property other than money and securities is generally purchased through the Property Coverage section of the policy. Two other crime coverages also are popular.

Theft, Disappearance and Destruction of Money and Securities
With theft, destruction or disappearance of money and securities coverage, the amount of insurance you purchase is doubled from one week before through one week after three special days you select-when offerings are particularly high. Even higher limits are available for special events.

Employee Dishonesty
You may protect your ministry against dishonest acts of employees and volunteers with Church Mutual's Blanket Bond coverage. Covered property includes money, securities and property.

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Professional Liability

Counseling Professional Liability
Inexpensive protection for your worship center, clergy, employees and volunteers who counsel under your direction and control and within the scope of their duties.

Directors, Officers and Trustees Liability
This errors and omissions policy protects your directors, officers and trustees against lawsuits alleging matters such as: conflict of interest, failure to exercise good judgment, improper (but not dishonest) expenditures, exceeding authority granted by charter and failure to honor an employment contract. Your organization also is covered if it is required to indemnify such individuals involved in the lawsuit.

Payment of court judgments and legal costs are provided if the claim is made while the policy is in force and if you had no prior knowledge of the wrongful act.

Employment Practices Liability (EPL)
Employment Practices Liability insurance provides claims-made coverage in three major areas relating to employees:

• Discrimination
• Wrongful Termination
• Sexual Harassment

The policy protects your institution, which is the named insured, and also your past, present and future directors, officers, trustees, clergy and employees for claims made by employees and prospective employees.

Employee Benefits Liability (EBL)
Employee Benefits Liability provides claims-made coverage for acts or omissions arising out of the administration of your employee benefits program.

For example, your failure to enroll an employee in your life insurance, health insurance, disability insurance or pension plan is a covered omission.

Educators Legal Liability (ELL)
Educators Legal Liability provides claims-made coverage for your office against actual or alleged "wrongful acts" including:

• Negligent or improper career and academic advisement
• Student discrimination claims against faculty, staff administration or the school board
• Student civil rights claims for violations of such things as freedom of press, speech or prayer
• Failure to educate claims from current or former students
• Claims of improper admissions and financial aid policies
• Infringement of copyright by school-sponsored student newspapers or university-press operations.

When acting within the scope of their duties, your past, present and future trustees, directors, officers, superintendents, faculty, student teachers, clergy, employees and volunteer workers also are covered.
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Hired and Non-Owned Automobile Liability
Provides liability protection for your organization when you rent or borrow a vehicle for use on official business and when vehicles owned or driven by your employees or anyone else are used on the job or on behalf of your organization. Your clergy, officers, employees and volunteers also are protected. This coverage is "excess," meaning that it applies after any other valid and collectible insurance is paid.

With Church Mutual's Rental Automobile Contractual Liability endorsement, you'll also receive coverage for damage (up to $100,000 each consecutive annual period) to vehicles you rent. This endorsement also provides primary liability coverage if the written rental agreement requires your insurance to be primary.

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Inland Marine
Your most valuable, rare or antique possessions may best be insured under Church Mutual's Inland Marine coverage form. Art objects, valuable equipment and fine musical instruments are the most common examples. Each item is insured worldwide for a specific amount in this "policy" within a policy.

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Church Mutual — Other Coverages:

Umbrella Liability Insurance — Get a Quote
Seven figure court awards have become common today. The Umbrella Liability Policy (an excess liability policy) helps protect you against the devastating effects of such a large award. It provides greater limits of protection for your general liability (except sexual misconduct/molestation), professional liability, automobile and employers' liability exposures.

Worker's Compensation Insurance — Get a Quote
Most property, liability, health and accident insurance policies exclude work-related accidents and injuries, so it is important that you provide workers' compensation insurance for your employees. In the state of California, it is the law.

Workers' compensation benefits are set by state statute and generally provide financial assistance for wage loss, medical and rehabilitation expenses, and survivor benefits.

Commercial Automobile Insurance — Get a Quote
If you own an automobile, it is essential to carry automobile insurance.

Liability coverage is for bodily injury and property damage that is caused by your vehicle and for which you are legally obligated to pay.

Medical payments coverage is for minor medical expenses of persons injured in or on your vehicle and is payable regardless of fault.

Uninsured and underinsured motorist coverage protects those in your vehicle who are injured by another driver who carries no insurance or inadequate limits of insurance.

Physical damage coverages are for damage to your vehicle and are paid after application of a deductible.

Church Mutual offers auto insurance for commercially owned vehicles. We do not insure personally owed vehicles.

Church & Casualty Insurance Agency — Other Coverage’s:

International Travel and Assistance — Get a Quote

CMIC Specialty Services/AIG Worldrisk

A Comprehensive Travel Insurance and Assistance Package for Your Ministry

To make your international experience safer and more rewarding with less financial risk, Church Mutual offers CMIC Specialty Services/AIG Worldrisk, a Comprehensive Travel Insurance and Assistance Package for Your Ministry.

For just a few dollars per day per person, worship centers and other religious organizations can provide superior insurance protection for employees and volunteers who travel out of the country.

Student or Camper Accident
Full excess medical coverage for students (including school sports) or campers. We have brokered some of the most competitive rates and coverage in the state. Get a quote.

Sports Accident Medical Expense Insurance
Excess medical coverage for "high risk" sports: skateboarding, martial arts, roller hockey, etc. Get a quote.