Churches and Religious Organizations

Woodall & Hoggle can provide an insurance package uniquely designed to fulfill a wide range of special insurance needs for religious organizations. Each policy is custom tailored to address each insured's unique exposures. Call Woodall & Hoggle Insurance today to get more information about your specific insurance needs.

Coverage Highlights

General Liability

  • Comprehensive General Liability - limits to $1M per occurrence/$2M aggregate
  • Abuse and Molestation coverage available for qualified accounts
  • Employee Benefits Liability
  • Volunteers and church members as additional insureds
  • Coverage for fundraising events
  • Amended definition of bodily injury to include mental anguish

Professional Liability

  • Coverage extends to clergy, lay clergy, volunteers, teachers, child care professionals, various human service counselors, and cemetery professionals
  • Separate limits, separate aggregate, and extends to Umbrella policy

 Property

  • Blanket limits with large in-house capacity
  • Special Causes of Loss coverage on buildings, contents, loss of income, and extra expense
  • Backup of Sewers and Drains coverage available
  • Sign coverage
  • Stained Glass coverage
  • Ordinance or Law coverage
  • Fine Arts coverage available
  • Agreed Value endorsement available with assigned statement of values

Umbrella/Excess Liability
Large Excess Limits available

Automobile

  • Non-owned/Hired Auto Liability
  • 15 passenger vans and buses are acceptable exposures
  • Volunteers as Insured's coverage available
  • Hired car physical damage
  • Rental reimbursement for private passenger vehicles

Directors and Officers Liability

  • Defense costs in addition to the Limit of Liability
  • Most favorable venue wording for punitive, multiple, or exemplary damages
  • Order of payments language with priority placed on indemnifying individual insureds first

Crime and Fidelity

  • Money and Securities
  • Employee Dishonesty
  • Forgery or Alteration
  • Theft, Disappearance, and Destruction

In addition to the options for churches and religious organizations listed above, Woodall & Hoggle also recommends some very important coverages that all businesses need to understand and consider:

Workers' Compensation Liability Insurance - provides coverage to employees for accidents or disease arising from employment.  Benefits may include lost wages, medical expenses, and permanent disfigurement/disability payments. State law requires that employers provide Workers' Compensation Insurance for their employees.