A standard commercial property policy isn't built for how a church operates. Cherry has dedicated church insurance professionals who cover the building, the volunteers, the staff, and the community activities that make a congregation function.
01Coverage for the church structure, contents, fixtures, audio-visual equipment, musical instruments, and personal property of the congregation. Cherry helps to provide the right coverage and limits to meet your needs and budget.
Churches depend on volunteers. General liability covers third-party bodily injury and property damage arising from church operations. Volunteer liability specifically covers the activities of unpaid volunteers - an exposure that standard commercial policies often handle inconsistently.
Board members, elders, deacons, and other leadership volunteers face personal liability exposure for decisions made on behalf of the organization. Directors and officers coverage protects individual leaders from claims arising from their governance role.
Coverage for pastoral counselling and related professional services provided by clergy and church staff. This is a specialized professional liability product that most standard commercial policies do not include.
If your congregation operates a camp, retreat facility, or off-site ministry property, Cherry can include that property in your coverage. Camps have unique liability exposures - waterfront activities, outdoor programming, overnight stays - that require specific coverage.
Church festivals, fundraisers, community events, and seasonal programming carry short-term liability exposure. Cherry can add special events coverage for specific occasions or include it as a blanket endorsement for regularly scheduled programming.
Church insurance requires specific coverage considerations that a standard commercial property policy doesn't address. Cherry has placed coverage for congregations, camps, and faith-based organizations for decades.
Yes, Cherry has a broker who specializes in the needs of faith based organizations. They understand the specific liability and property exposures that congregations face.
A Cherry church policy typically covers the building and its contents, general liability for church operations, volunteer liability, directors and officers liability for church leadership, pastoral liability for counselling services, and optional coverage for camps, retreat properties, and special events.
Yes. Volunteer liability is an important component of church insurance. General commercial liability policies handle volunteer activities inconsistently - dedicated church coverage specifically addresses the liability exposure created by unpaid volunteers who are acting on behalf of the organization.
Yes. If your congregation operates a camp or retreat facility, Cherry can include it in your coverage. Camps have specific exposures - waterfront activities, overnight stays, outdoor programming - that require tailored coverage.
Pastoral liability covers claims arising from professional services provided by clergy and church staff - most commonly pastoral counselling. It is a form of professional liability insurance specific to religious organizations and is not included in standard commercial policies.
Yes. Cherry can add special events coverage for specific occasions or as a blanket endorsement for regularly scheduled programming. If your congregation hosts festivals, community dinners, or fundraising events, make sure your policy addresses those activities.
Church board members, elders, and leadership volunteers make decisions on behalf of the organization that can result in legal claims. Directors and officers liability protects individual leaders personally from claims arising from their governance role - even if the claim is ultimately without merit.
Call Cherry Insurance at 306-653-2313 or visit any of our offices. Bring your current policy documents if you have them - Cherry will review your existing coverage and identify any gaps before recommending coverage.