Church Insurance

At IPS we understand that churches are more than just places of worship, they serve as vibrant hubs of community life.

CHURCH INSURANCE

At IPS we understand that churches are more than just places of worship, they serve as vibrant hubs of community life. Providing specialist insurance for churches requires an understanding of their unique needs and the diverse activities they undertake. IPS can assist in sourcing the most suitable covers to meet your specific requirements.

Key features of Church Insurance policies (subject to quotation/terms & conditions):-

Buildings Cover

Provides full protection for the church building and related structures such as halls and the vicarage against damage caused by fire, flood, storm, vandalism and other perils.

Contents Cover

Protects the church’s movable property against loss or damage including:-

– Furniture (pews, chairs and tables)

– Musical instruments such as organs and pianos

– Books, religious artefacts and ceremonial items

– Personal belongings of clergy and employees

Public Liability Insurance

Essential cover for claims arising from injury or property damage suffered by members of the public on church property or at church-organised events.

Employers' Liability Insurance

Essential cover for claims arising from injury or property damage suffered by members of the public on church property or at church-organised events.

Additional Specialist Coverage

Event Insurance

Churches often host public events such as fair, holiday clubs, weddings and fundraising events. This provides cover for:-

– Public liability during one-off or recurring events

– Cancellation costs due to unforeseen circumstances such as severe weather or venue damage

– Accidental damage to hired equipment

– Injury to participants or attendees

Legal Expenses cover

This cover provides support with the cost of legal proceedings which can be significant even for minor disputes.

Cyber Insurance

Increasingly important to protect against cyber attacks, data breaches and fraud affecting church records, websites or donation systems.

Trustees' Indemnity Insurance (Directors and Officers Liability)

Protects the church trustees and officers from personal liability against claims of wrongful acts, breach of duty or omissions in their governance of the church.

Personal Accident cover

Provides financial support for injury to staff or volunteers while carrying out church duties beyond standard employer liability.

Loss of Money

Protects against the theft or loss of cash held by the church, whether on-site, in transit or with designated individuals.

Business Interruption Insurance (Loss of Income)

Covers the financial losses incurred if the church cannot operate fully due to insured damage, such as fire or flood.