If that's the case, call your Brotherhood agent before picking up the vehicle to ensure you're adequately covered. Register with the rental agency all people who may operate the vehicle. Don't permit anyone else to operate the vehicle. Doing so may violate the terms of your lease. Remember, your organization's non-owned vehicle coverage typically operates on an excess basis to all other insurance policies.
Most churches purchase non-owned auto liability coverage as part of their church insurance program.
Check your policy to make sure you have this coverage. If your church is sued for an accident that occurs while operating a borrowed or leased vehicle, this coverage works on an excess basis. It's available after the vehicle owner and driver have filed a claim with their insurance company, the primary insurer. The vehicle owner and driver must go to their insurance company first. Be aware that it offers no protection, however, for the vehicle owner or for the driver of a borrowed vehicle.