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Sometimes you want the added security of knowing that if a catastrophe occurs and a claim exceeds your primary limits, it can still be covered without causing extreme financial loss to your church. Umbrella Liability provides additional coverage over the Comprehensive Liability, Professional Liability, Business Auto Liability and Workers’ Compensation Employer’s Liability.

What is Umbrella Liability?
Umbrella Liability Insurance is an expansion of the primary liability coverage provided by your Commercial General Liability, Directors, Officers and Trustees’ Liability, Pastoral Counseling, Business Automobile Liability and Workers’ Compensation Employer’s Liability. Your coverage can be expanded by providing higher dollar coverage amounts for claims against the church; and by providing coverage for exposures that are not covered under primary policies.

Do You Need Umbrella Liability?
Most churches face the risk that their church-sponsored activities could result in serious injury to others. Umbrella Liability policies can provide an inexpensive way to achieve additional protection.

How Much Do You Need?
Umbrella Liability polices are typically available in amounts of $1 million to $10 million of coverage. The amount that you need depends on your church’s range of activities. Activities such as daycare, kindergarten, bus or van operations, after-school programs, ball teams and gyms should all be considered.