Is Your Church Properly Covered?
A quick insurance self-audit for Georgia churches. 10 questions to review before your next board meeting.
What's in the checklist
Five sections covering the most common gaps we see when reviewing Georgia church insurance. Each section has specific questions your board can answer in minutes.
1. Property Coverage
Does your policy cover the full replacement cost of your buildings? What about portable equipment, outdoor signs, and playground structures?
2. Liability Coverage
General liability, counseling liability, and abuse and molestation coverage. Most generic policies miss at least one of these for churches.
3. Staff & Leadership Protection
Directors & Officers (D&O), employment practices liability, and workers' compensation. Georgia requires workers' comp for employers with three or more employees.
4. Specialized Ministry Risks
Mission trips, transportation, security teams, food service, and daycare programs. These are the risks that generic commercial agents don't think to ask about.
5. Red Flags
Three warning signs that your church may be underinsured. If any of these apply, it's time to talk to a specialist.
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