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Specialized insurance solutions for religious institutions

Religious institutions face many risks, including allegations of abuse and molestation by employees and volunteers, liability stemming from counseling services, emergency events, and more. Our specialized Hanover Religious Institutions Advantage solution offers top-rated coverage for religious institutions at very competitive rates. Hanover Religious Institutions Advantage is designed to meet the insurance needs of all types of houses of worship, including:

  • Churches
  • Synagogues and Temples
  • Chapels
  • Religious congregations with community-based activities (e.g., sponsored youth programs, child care, community charitable work)
  • Churches with private schools

More value for religious institutions

Our underwriting, claims, and risk management professionals have many years of experience in dealing with these types of organizations. We offer comprehensive solutions that are cost-effective and convenient. Beyond the core policy in our Religious Institutions Advantage program, we offer expanded options, including special equipment, vehicles, unusual liabilities, child-care services, schools, sponsored activities, and more. We can help tailor your policy to meet your needs, and even offer convenient, automated premium payments to fit your budget.

Risk management solutions to help make religious institutions safer

Hanover Risk Solutions offers an extensive risk management program designed to help religious institutions minimize their risks and help lower premiums, including:

  • Security Action Planning
  • Theft Prevention
  • Risk Solutions website with numerous safety resources, such as safety topics, checklists, white papers and more

End-to-end solutions for religious institutions

We offer houses of worship many products to help protect their property, autos, employees, and congregations:

  • Commercial Package Policy (CPP)
  • Commercial Property
  • Commercial General Liability
  • Commercial Automobile
  • Commercial Follow Form Excess and Umbrella
  • Workers’ Compensation

Specialized coverages and endorsements for religious institutions include:

  • Religious Institutions Property Broadening Endorsement
  • Sexual Misconduct and Sexual Molestation Liability Coverage
  • Counseling Professional Liability Coverage
  • Religious Institutions Directors and Officers & Trustees Liability
  • Data Breach Coverage
  • Emergency Event Management Coverage
  • Coverage for Fine Arts
  • Additional Insured - Church Members and Officers Endorsement

In addition, we offer specialized products that offer real estate businesses enhanced protection: