Wagley Agency Insurance Group provides customized insurance solutions for all faith-based organizations. We can insure single to multi-location institutions, including online and church planning organizations.
The needs of each organization vary depending on the specific activities, ministries, and operations.
Many churches and other faith organizations accept quotes from transaction-based insurance brokers who reactively generate solutions based on short-term thinking. At Wagley Agency Insurance Group, we are familiar with the nuances of faith-based organizations and can customize your coverage to your organization’s needs.
The insurance solution prepared by Wagley Agency Insurance Group as a barrier of protection for your organization is comprised of the following:
Our faith-based organization specializations include the following:
Here are a list of coverages that are available to your church or faith-based organization:
There are two categories of property insurance for faith-based organizations:
*Additional covered property typically includes signage, retaining walls, lights, poles and more.
Wagley Agency Insurance Group provides comprehensive liability coverage for churches, synagogues and other faith-based organizations. This policy covers injury, professional liability, defense of a covered claim as well as accidents that may occur on church premises, or as a result of off-site ministry operations.
Our Liability coverage includes but is not limited to the following:
The purpose of an umbrella insurance policy is to covers claims that may go above and beyond the coverage limits of your organization’s general liability, auto/vehicle and other coverage limits. Umbrella coverage, also known as “excess liability” is available in amounts from one to ten million dollars ($1,000,000 to $10,000,000).
From online giving to posting devotions on social media, internet safety is becoming an important consideration for churches and other faith-based organizations that seek to help people grow in their faith, overcome limitations and adversity as well as promoting the benefits of mission-driven efforts.
For some non-profit organizations, additional cyber coverage is the best way to complete their online defense. At Wagley Agency Insurance Group we offer coverage options that protect faith-based organizations against a variety of issues that span from data breaches to embezzlement.
Worker Compensation insurance provides coverage for employees and volunteers in case of an work-related injury incident while serving or volunteering on promises or while actively performing ministry service. Workers compensation insurance is legally required in most states for any and all entities that hire employees. At Wagley Agency Insurance Group, we have a variety of options that will provide solutions for your organization’s unique needs
Vehicle insurance, which includes auto coverage for churches includes vehicle owned by the organization, hired auto services and also liability coverage for both staff and volunteer drivers.
Types of vehicles that can be covered by your auto/vehicle insurance policy:
For drivers who don't have a passenger endorsed California Driver’s License, Wagley Agency Insurance Group offers van-safety training videos and assessments so that all volunteers may participate in transportation ministries.
These are examples of actual claims that were filed against faith-based organizations’ insurance policies:
Following a religious service, a congregant tripped on a crack in the concrete sidewalk and tumbled down an outdoor flight of stairs, resulting in injuries including a concussion.
While decorating a church for a social gathering a volunteer lost her balance while standing on a chair to arrange decorations. The fall resulted in severe arm injuries.
A fire destroyed a church sanctuary and resulted in smoke and water damage to the building structure as well as contents of the administrative office. In addition to replacing fixtures, furnishings, equipment and inventory, the church needed to rent space for worship services until the sanctuary was rebuilt.
The director of children’s ministries was terminated and replaced by a younger Caucasian male, who she believed was being paid more than she was. She filed suit with the EEOC against the ministries, alleging racial discrimination, age discrimination, sex discrimination and pay discrimination.
A church elder breached his duty by leading a combative church split which ousted the remaining minority sized congregation from church property. The elder held secret meetings among his supporting faction and prepared legal documents to transfer the property, all without informing the church’s pastor of his plans. The court ruled that the elder owed a duty to the entire congregation and could not favor the interests of the majority over the ousted minority. As a result, the property was returned to the original congregation and monetary damages were assessed against the elder personally.
With its membership growing rapidly, a church’s board of directors appointed a new building committee to find land for a larger church. The board selected one of its members to head the committee. That Director steadily pressed the committee to approve purchase of a land parcel viewed by the other committee members as pricey, but otherwise perfect. After much discussion, the committee approved the purchase, and the transaction was completed. It was then discovered that the committee Chair had a financial interest in the property. Several congregants took action and named the committee Chair and the overall board in a lawsuit alleging improper self-dealing, negligence and fraudulent conduct.
A Sunday school teacher was accused of sexually molesting a teenager after a bible study session. The teacher quickly denied the charges but was forced to step aside pending a church investigation. After a thorough inquiry, the alleged victim’s credibility crumbled when it was reported that she had a long history of inventing stories about herself and others. Moreover, parents and students who knew the teacher offered evidence that raised serious doubts that the molestations could have occurred. After an exhausting investigation, the teacher was eventually reinstated to his duties. The cost alone of defending allegation with no merit was significant.
A cracked section of a cast iron boiler resulted in replacement of the boiler and $9,000 in property damage. Worship services also had to be relocated to an available facility nearby for an extra expense of $1,500.
The wife of a married couple sought counseling services from their pastor due to being physically abused in the household. The victim was contemplating divorce and sought advice, but the pastor encouraged her to stay with her husband due to the sanctity of marriage and to seek couples counseling. As a result, the wife returned to the abusive relationship and was later hospitalized with severe injuries from her husband. She then sued the church and pastor stating that as a result of the counseling advice, she stayed in the unhealthy marriage that led to her injuries.