The Presbyterian Church (U.S.A.) Book of Order directs all churches, synods and presbyteries to obtain adequate property and liability insurance coverage to protect the facilities, programs and officers including members of session, staff, boards of trustees and deacons and elected and appointed officers (G-12.0306, 11.0308 and 10.01020, respectively). While there are many risks that must be considered and a wide array of insurance types, securing insurance is not an impossible task. Working with agents and other resources, a board of trustees, session or middle governing body can ensure it has adequate coverage in place.
In order to help churches, presbyteries and synods with their search for insurance coverage, the Presbyterian Church (U.S.A.) Office of Risk Management Services offers this Web site featuring two insurance companies.
Both of these companies provide insurance coverage to at least 10 percent of PC(USA) churches and can meet the recommended minimum standards of insurance. Each insurance company has a long history of underwriting churches and is familiar with the unique exposures of churches. This Web site is designed only as a starting point in your search for insurance. Each church, presbytery and synod must carefully consider its particular insurance needs and make the necessary contacts.
It is not the intent of Presbyterian Church (U.S.A.) Office of Risk Management Services to limit your search for insurance to only the two listed insurance companies. Many good insurance companies and programs exist throughout the insurance industry.