It provides for medical expenses and compensation for loss of work. Malpractice Ministers, churches, deacons, trustees, treasurers, etc., are being sued for almost anything these days. Every church has a stewardship responsibility for its employees. A retirement benefit. For Baptists the very best one is through the SBC Annuity Board.
Many options are available.
The best one is the Expanded Annuity Program. Additional life, medical and disability coverage should be provided. This not only protects the employee, but the church as well. All of these coverages may not be necessary for every church. However, at least once a year the church leadership should evaluate its insurance needs.