When your organization has quality protection, you can concentrate on helping your congregation and community after a covered loss. With Whims Insurance Agency, you will receive the customized insurance coverage and service you need so that you can provide support for those who rely on you.
Protection that exceeds your expectations
Your Whims independent agent helps you tailor your property and liability coverage to properly protect your organization's unique property, such as stained glass windows, organs, pews, altars and outdoor signs.
Help when you need it most
Your Whims policy helps you in ways that really make a difference. After a covered loss, you receive:
- up to $25,000* for extra expenses incurred and loss of income when your operation is interrupted
- up to $10,000 for your cost of taking inventory, securing appraisals or preparing statements
- up to $100,000* when building ordinances or laws require demolition of your damaged building and subsequent upgrades to meet current building codes
Special advantages
Your Whims policy provides protection for you and your assets. If a member or guest gets hurt on your premises and you are legally liable, your Whims package includes liability coverage that:
- insures your members, trustees, officials, members of the board of governors or clergy when they perform church activities
- covers medical payments for your volunteer workers and members not employed by you while on or away from your premises as a part of your operations
- includes medical payments coverage for athletic participants excess of other collectible insurance
- covers bodily injury to nonemployees caused by fumes such as carbon monoxide from materials or machinery used to maintain your premises
Round out your protection
You can choose to add professional liability protection for errors or omissions not covered by your business liability insurance. You receive professional liability insurance for costly defense expenses, judgments or settlements on covered claims.
When you add clergy or teachers on your professional liability policy, each person has an individual liability limit. We also offer professional liability specifically for cemeteries you own or operate. Your agent can advise you about legal liability coverage for sexual misconduct or sexual molestation claims.
Multi-year policies
Whims Insurance Agency prefers to do what many companies refuse to do. We offer multi-year policies that save you the added time and expense of annual renewals, which is available in most states.
Talk with your Whims independent agent to find out more about our Religious Institutions Package Policy.
This is not a policy. Contact Whims Insurance Agency for a complete statement of the coverages and exclusions.