Helland agency inc. has specialized in church insurance for 25+ years. Our agency makes church insurance simple, while passing savings on to your congregation.
Churches or houses of worship are places that remain busy with visitors coming in and going out not only on Sundays, but other days of week too. The times are long gone by when Sunday was the only day churches would remain busy; the times have changed and busy lives of people is the reason why churches witness frequent arrival of visitors whenever they get time to do so. With so many activities taking place in church premises and so many people participating actively, there is always a possibility of an unfortunate incident happening which can cause injuries to people and damage to the property.
The thought of compensating for the damages and facing lawsuits by others can be downright scary for church authorities. This is one of the main reasons to have a suitable Montana Church Insurance as a protective cover in case of any financial losses to the church. But be careful because not every church insurance cover can cover your financial losses and damage.
Not All Insurance Advisors Are Experts: There’s a significant difference in consulting with a rookie insurance advisor and an experienced insurance advisor. Not all are created equal and consulting with a well-qualified and knowledgeable insurance advisor can alleviate all your worries. You should be very clear about what the potential losses that you are worried of are and what kind of protection you expect from your insurance coverage. Your insurance advisor should understand your needs and requirements and offer you multiple quotes from multiple insurance companies. You can choose one that offers the most flexibility at affordable insurance premiums.
Avoid “One Size-Fits All” Insurance Plan: Some church insurance agencies offer a common insurance plan to church authorities, but it choosing it can be a costly mistake. Some churches think it’s good way to save money but the fact is that every church is unique and so are its insurance need and requirements. That’s why it is vital to discuss with your insurance advisor about types of Montana Church Insurance coverage and which one will best suit your needs and budget too.
List Down Your Potential Business Risks: Churches are prone to a variety of risks due to number of activities that take place there. In addition, churches also have assets of their own which are costly and needs to be protected in case of any damage or theft. Some of the common risks church faces are fire, slip and falls, burglary, theft, vandalism, extreme weather conditions, natural disasters, and allegations of sexual misconduct. These are just handful of risks that churches face and there are additional risks and threats that are faced by the churches. Church authorities should carefully assess the nature of risks that they face so that they can have an insurance cover to cover all of these risks.
Choose A Reliable And Well-Established Church Insurance Agency: While choosing a church insurance agency, you should prefer an agency with a vast experience and deep knowledge. Since well-established church insurance agencies are placed with multiple insurance companies, they’ll be able to offer you the most affordable insurance quote that covers your potential risks and threats.