What is Umbrella/ExcessLiability?
Umbrella/Excess liability provides an additional layer of protection
above the limits provided by your Commercial General Liability, Directors,
Officers and Trustees’ Liability, Pastoral Counseling, Business Automobile
Liability and Workers’ Compensation Employer’s Liability.
Do You Need Umbrella Liability?
Most churches face the risk that their church-sponsored activities could
result in serious injury to others. Purchasing an Umbrella/Excess Liability
policy can provide an inexpensive way to achieve additional protection.
How Much Do You Need?
Umbrella/Excess Liability policies are available in amounts of $1
million to $5 million of coverage. The amount that you need depends on the
operations and activities of the church. Activities such as daycare,
kindergarten, bus or van operations, after-school programs, ball teams and
gyms should all be considered.