Top 10 Coverages Church's Want
1. Protection Against Legal Action
2. Insurance for Your Building(s)and Property
3. Coverage for Sexual Abuse Accusations
4. Protection for Counselors
5. Insurance for Accusations Made by Employees
6. Insurance for Special Event Coverage / Missions
7. Covering Your Church Van or Bus / Non Owned and Hired Autos
8. Protections for Accusations Against Your Church Board / Volunteers
9. Protection if Your Computers Are Breached
10. Coverage if Money Is Stolen / Embezzled or Forgery

Jeff Youngs (SBCS, AINS)  has take a personal interest in coverage's that are need by Churches in today's world. 

Your guide to buying church insurance
These tips can help you select a carrier that's best suited for your ministry while being a good steward of your ministry's budget.
1. Your carrier should understand the unique needs of ministries.
Find a provider who has a detailed understanding of ministries, is invested in building a lasting relationship, and has a hard-working agent that can be your single point-of-contact.
2. Find a policy that offers protection against inflation.
Policies that have been renewed from year-to-year at the same coverage level without review may not be adequate. Find a policy that increases your property limit each year to keep up with inflation.
3. Replacement costs vs. actual cash value.
"Replacement cost" coverage covers the amount it would take to replace the asset in today's dollars. "Cash value" coverage covers the amount the lost asset would be worth in today's dollars. Select a policy to insure replacement costs.
4. Keep away from coinsurance penalties.
It's important to appraise and insure your property for its accurate replacement value. But you should also search for a policy that won't penalize you if you underestimate it.
5. Opt for pastoral counseling and alleged abuse claims coverage.
The allegation of abuse is damaging, even if it’s untrue. Find a policy that will cover the costly legal fees and other damages.
6. Look beyond owned automobile coverage.
Find a policy that extends beyond your church van to volunteer vehicles. Otherwise, if members or staff have an accident in their vehicles while on church-related business, your church could be liable.
7. Your carrier should be backed by the best.
 If you'd like help reviewing your current P&C policies, we welcome the opportunity. Simply give Jeff Youngs a call at 419-777-7111