Insurance Coverage Overview

NEW ENGLAND CONFERENCE OF THE UNITED METHODIST CHURCH

 

Property/Casualty Insurance Program Overview – Aug. 1, 2015 to Aug. 1, 2016

 

 

Policy

Insurer

Limit

Deductible

Coverage

Property

 

Church Mutual

Blanket Limit building and contents values combined

$1,000

Covers all your buildings and contents, including pipe organs and stained glass windows, by most causes of physical damage including earthquake and flood.

Boiler & Machinery

Chubb

Blanket Limit up to $25,000,000

$1,000

Covers your property from physical loss from mechanical or electrical breakdown of HVAC and other equipment, and explosion of steam boilers.

Automobile

Church Mutual

  • $1,000,000

 

  • Actual Cash Value

$0

 

$250

  • Coverage for bodily injury & property damage liability to others arising out of a vehicle accident.
  • Damage to church owned or rented vehicles, from vehicle accidents.

Workers Compensation

Church Mutual

$500,000

$0

Coverage for bodily injury from accidents or disease to your employees during the course of employment – medical costs and lost wages.

General Liability   

 

Church Mutual

$1,000,000

$0

Coverage for legal defense costs and settlements, judgments or awards from lawsuits alleging bodily injury or property damage to others, including sexual abuse and molestation. 

Pastoral Professional Liability

Church Mutual

$1,000,000

$0

Coverage for legal defense costs and settlements, judgments or awards from lawsuits alleging improper counseling.

Excess/Umbrella Liability

 

Church Mutual

$10,000,000

$0

Excess liability over general liability, auto liability and employer’s liability.  Sexual abuse and molestation claims limited to $5,000,000.

Crime

 

Church Mutual

  • $100,000
  • $30,000

$0

$1,000

  • Coverage for employee dishonesty
  • Coverage for loss of money by dishonest acts

Directors, Trustees or Officers Liability

Great American

$10,000,000

$5,000

Coverage for wrongful acts, employment related claims or other suits alleging damages other than bodily injury/property damage.

 

NOTE: The above coverage description does not determine actual coverage in the event of a claim.  Please see the policy for coverage details and wording.