Fires and thefts do happen on occasion and it is crucial that each congregation protect itself and review its policies on an annual basis. Some states have state-administered programs. Other states allow for the purchase of insurance coverage through private carriers.
Some states allow for the optional assessing of the employees for part of the insurance cost.
The cost of the insurance is calculated based either on the number of hours worked or on a percentage of payroll costs. It is important to remember that Worker s Compensation coverage is mandatory. A congregation cannot go without it. It is also important to remember to cover all employees including the pastor. Please contact your state department for further details.