Loss due to normal wear and tear, as well as other standard equipment breakdown exclusions, is not covered. In recognition of the fact that some losses occur through the dishonest acts of ministry personnel, religious organizations may purchase optional bond coverage beyond the limit automatically provided in the policy. This optional coverage protects your ministry from loss due to theft or attempted theft of your money and your personal property. Your securities are also covered for loss by theft, forgery, or alterations. This coverage applies to personal injury claims made against a church or ministry.
Personal injury means injury arising out of several defined types of offenses.
Generally, infringement of copyright is also covered. This food preparation coverage applies to bodily injury claims caused by the consumption of food that is distributed by your organization during a church activity. Ongoing food preparation or distribution operations that are undertaken for the purpose of fundraising must be scheduled on your policy, and a premium charge must be paid in order to receive liability insurance coverage. This optional coverage provides protection for covered claims against your ministry arising out of alleged sexual misconduct sustained by persons not employed by you. Coverage is also provided for claims of sexual harassment by persons not employed by you.