Inside the Ministry
Leadership Resources
See the Resources Below
Abuse Prevention
Video Resources
Learn about how this coverage can help protect your church or charity workers and leadership.
Article Resources
- Abuse Prevention Newsletter
- Coverage Options: Abuse, Molestation and Harassment Liability
- Church Commendation Letter
- Sample Request Form Agency to Policy Station Requesting a CPIC and VSV Check
- Vulnerable Sector Verification Letter
- Criminal Record Checks: Who Should We Screen?
- Good/Better/Best for Off-Premises Activities and Transportation
- Abuse Prevention Plan Checklist
Building Valuation
Most standard insurance policies include a “Co-insurance Clause” that requires buildings to be insured to at least 90% percent of their replacement value. If not, a penalty applies. For example, if a one million dollar building is insured for only five hundred thousand dollars (50 percent), and a one hundred thousand dollar repair is needed, the insurer may only pay fifty thousand dollars.
Due to rising construction costs, your current coverage might fall below the 90% threshold without you realizing. Church & Charity Protection Plus offers an optional “Agreed Value Clause” that eliminates Co-insurance penalties. To qualify, complete and return the Statement of Values and Building Update Form. If your insured value matches the replacement value, there is no added premium.
If not, coverage and premiums will be adjusted and the 90% Co-insurance will be replaced with Agreed Value protection. To help you determine your building’s value, we offer a no-cost valuation and all you need to do is complete the Statement of Values/Building Update Form (both sides) and check the “no-cost building valuation” box.
Co-Insurance Vs Agreed Value
Agreed Value
The Agreed Value Clause removes the Co-Insurance penalty by locking in your building’s replacement value while protecting you from underinsurance
Video Resources
Watch this video on Water, Water, Everywhere to ensure you're properly covered and understand how to protect your ministry or organization from water-related risks.
One Minute Insurance Managers
Co-Insurance
All commercial and institutional insurance policies contain a Co-Insurance Clause. For a church or charitable organization, it means you need to insure your building(s) and contents to at least a percentage, usually 90%, of the total replacement value.
Vacancy Coverage
Does your organization have any buildings that are currently vacant or unoccupied at any of your locations for more than sixty (60) days? Learn More.
Construction Coverage
If your church is planning the construction of a new building, a building addition or a major renovation, you may need to consider some or all of the following four (4) insurance coverages.
Space Heaters
Improperly used, temporary portable space heaters have caused many fires, extensive property damage and the loss of human life, including overnight blazes that have killed occupants in their sleep.
Snow Plowing and Ice Removal
Slip and fall liability claims are unfortunately a fact of life for any property owner, not only for businesses and homeowners but also for church, school, and charitable organizations with busy premises, parking lots, and outdoor walkways.
Business Interruption for Charities & Charities
Keep your ministry running, no matter what!
- Coverage for loss of nonprofit revenue including tithes, rentals, and program fees
- Reimbursement for additional costs like temporary locations and equipment
- Protection during extended rebuild times up to 12 months or more
- Access to planning tools for calculating and customizing your coverage
Liability Risk & Insurance
Articles Resources
To check out more on liability and what is covered see the following:
Umbrella Liability
Video Resources
Discover how Umbrella Liability coverage can protect your ministry, staff, and board as one accident could cost your ministry millions.
Watch moreDirectors and Officers Liability
Applications for Directors and Officers Liability Coverage
Cyber Risk & Insurance
for Churches & Charities
“More than half of non-profits are not confident their cyber security is a well-managed risk.”
— NetHope 2024 Cyber Security Report
Financial Protection:
Cyber Insurance helps cover the high costs of recovery, legal fees, and business disruption after a cyberattack.
Data Security:
It safeguards sensitive donor, member, and staff information, ensuring quick response and trust retention in case of a breach.
Organizational Preparedness:
Having coverage shows your church or charity is proactive and responsible in protecting its community from digital threats.
Full Cyber Policy Options
Please contact our office and speak to a Church & Charity Protection Plus representative at 1-800-640-0933 or churchinsurance@robertsonhall.com
Cyber and Privacy Breach
Cyber threats are evolving rapidly, and churches and charities are frequent targets. A Cyber and Privacy Breach policy helps mitigate the costs and stress of responding to a cyber event while demonstrating a commitment to protecting churches, charities and employee information.
Mission Trips and Ministry Travel
Mission trips and ministry travel require specialized insurance to protect participants and organizations from medical emergencies, accidents, lawsuits, and security risks abroad.
Kidnap and Ransom Insurance
Short-Term Mission Resources – External Links
Facilities Rentals
Renting your facilities to outside user groups can be a great way to support the community and generate additional income. However, without proper agreements and liability insurance in place, it can expose your organization to serious legal and financial risks, so it’s essential to have clear guidelines and protections.
Social Media for Christian Ministry
Social media is a powerful tool for spreading the gospel and building relationships, but it also requires thoughtful policies to protect privacy, uphold values, and avoid legal risk. As Christian leaders, it is essential to communicate online with wisdom and care, ensuring our digital presence reflects both our mission and our responsibility.
Refugee Sponsorship
Refugee sponsorship through churches and charities is a powerful way to serve vulnerable people and support their resettlement in Canada. While life changing this work comes with legal and insurance responsibilities, so it is essential to have proper policies, volunteer screening, and coverage in place.
Transportation Risks
Windshield & Visibility
Ensure the windshield is clear, undamaged and all mirrors are functional. Limited visibility or cracked glass increases the chance of collisions especially in larger vehicles.
Driver Qualifications
Only experienced licensed drivers with clean records should operate ministry vehicles. Inexperienced drivers and improper licenses are a major cause of accidents and insurance denials
Passenger Safety
Seatbelts must be in working order and passengers should remain seated during travel. Improper seating or overcrowding increases risk of injury in sudden stops or collisions.
Tires & Maintenance
Regularly inspect tires for tread wear and inflation. Tire blowouts are a leading cause of rollovers especially in 15-passenger vans and older vehicles.
Rear Storage & Overload
Avoid overloading with luggage or gear especially in the rear. Excessive weight can affect handling and increase the risk of tip-overs or brake failure.
