Industrial Special Risks
We cover you for loss, destruction of, or damage to your property – both material loss and any consequential loss of revenue – resulting from interruption or interference to the business of your church or ministry.
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General Liability – Public & Products
We help you take the risk out of operating your ministry by offering a range of liability insurance and risk management solutions. Because we understand churches better than commercial insurers, Churches of Christ Insurance policies better reflect your needs – and our experienced team can work with you to make sure your specific requirements are covered.
Special Exclusion: Molestation – Known Offenders Exclusion (in relation to sexual abuse). See the Page 9 of the Summary of Insurance under “Special Exclusions” for more details.
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Umbrella Liability
We offer your church protection against the costs of compensating third parties if they suffer bodily injury or damage to their property, for which the business – your church – is deemed responsible. This cover pays for the claimants’ legal costs, the costs of defending the action as well as the cost of compensation to the third party.
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Professional Indemnity – Claims Made Policy
We protect you against third party claims for breach of professional duty, professional negligence, mismanagement or breach of fiduciary responsibility; breaches of corporations law, sexual harassment, wrongful termination, discrimination and other employment related litigation.
Special Comments: “Claims Made” Wording - This Policy is issued on a claims made basis.
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Management Liability
Today, the people who manage churches and ministries face many of the same liability risks experienced by directors and officers of corporate entities. They require specialised insurance for the day-to-day management decisions they make.
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Management Liability – Crime Coverage
We protect you financially against crimes committed against your Church – includes Theft, Premises and ‘In-Transit’ cover.
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Personal Accident – Volunteers & Youth
Our policy provides voluntary workers with Personal Accident insurance that covers them whilst undertaking voluntary work for your church. Volunteers have an important role in ministry, but because they are not employed by you, they are not eligible for Workers Compensation. This policy ensures their protection against financial loss if an injury occurs whilst performing voluntary work for your ministry.
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Personal Accident - Ministers
Our policy provides cover for Ministers, Pastors and Chaplains actively engaged in ministerial/pastoral and other church related activities.
Note: The criteria for this cover is that the Minister/Pastor/Chaplain must be on the accredited list with the state Churches of Christ, the church must be a member of the insurance program and the coverage afforded is 24/7 365 days.
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Business Travel
We provide coverage for the common risks encountered on interstate and international trips. This comprehensive policy is supported by a team of medical, travel and crisis management specialists who are available to assist 24/7 should the unthinkable occur.
Cover applies whilst Insured Person is engaged in authorised business travel
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Motor Vehicle
Our car insurance covers you for the loss or damage to your own vehicle, as well as for damage you may cause to another person’s property.
Deductible: $500 each and every claim
Policy Wording: Vero Motor Vehicle Wording
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Contract Works Insurance
Our contract works insurance is available on a "needs basis" with an additional premium payable. Contact us to discuss your needs.
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