All Church Protector

No one likes to think of the likelihood or the aftermath of a fire, a tornado, or even vandalism.

But these and other similar disasters can happen to your church when least expected. Adequate property and liability coverage can do little to avert these situations, but can do much toward resolving what could be tragedy or financial burden. We will be happy to meet with you and examine your present coverage and explain the advantages of our All Church Protector Policy.


Property

  • Newly acquired property or new construction at any one location up to 180 days at the sum of the Limit of Insurance for Your Buildings and Your Business Personal Property up to $500,000 at any one location.
  • Extra expense coverage - $10,000, no deductible
  • Valuable papers and records coverage - $10,000
  • Personal effects of clergy, staff, and employees on the insured premises - $5,000
  • Personal property of others in your care, custody or control - $5,000
  • Business Personal Property off-premises - $15,000
  • Outdoor signs - $5,000
  • Fences, light-bearing standards or poles - $10,000
  • 10% of the Limit of Insurance or $20,000, whichever is less, applies to appurtenant structures and utility buildings
  • Church property in dwelling quarters maintained for use by an employee - $5,000
  • Fire extinguisher recharge - $5,000 per occurrence, no deductible
  • Damage to Non-Owned Detached Trailers - $5,000
  • Refrigerated products spoilage - $10,000, no deductible
  • Backup of sewers, drains, or sumps - $5,000
  • Outdoor property – radio and TV antennas, satellite dishes, trees, shrubs or plants - $10,000 ($500 maximum per item)
  • Reward Payment - $5,000

Note: A deductible applies to some of the coverages.


Liability

  • Choice of protection limits – up to $1,000,000 per occurrence, including Products and Completed Operations, Personal and Advertising Injury Liability.
  • Persons insured include any clergy, elder, deacon, vestryman, council member or any member of the board of trustees, governors or board of education while acting within the scope of his or her duties. Also any other member of the church while on the church’s business.
  • Damage to Premises Rented to You - $200,000 for real property
  • Damage to Property of Others - $5,000


Medical Payments

  • Medical payments - $10,000 per person, subject to each occurrence limit
  • Medical Payments coverage for persons donating labor – included
  • Medical Payments coverage to any person or church member while taking part in a church-sponsored athletic event – included (subject to a $100 deductible per claim)


Customize a policy that’s right for your church

  • Comprehensive Identity Management Services
  • Employment Practices Liability
  • Directors, Officers & Trustees Liability
  • Counseling Professional Liability
  • Sexual Acts Liability
  • Non-Owned Auto Liability and Hired Auto Liability
  • Personal Coverage Endorsement – Provides special personal property coverage on a replacement cost basis, personal liability coverage, and medical payments to others coverage (similar ot a tenant’s policy). The liability and medical payments to others limits on the policy are extended to apply to coverage provided under this endorsement.
  • Replacement Cost or Actual Cash Value Coverage
  • Agreed Amount Coverage
  • Inflation Guard
  • Commercial Auto
  • Commercial Umbrella
  • Workers Comp (Indiana Only)


Crime

  • Church theft including double money coverages for principal religious holiday periods - $5,000 included, no deductible. Higher limits available.
  • Employee dishonesty and faithful performance coverage - $10,000 included, no deductible. Higher limits available.


Do you have enough insurance to rebuild your church at today’s costs?

You may qualify for this low-cost desirable protection

It only takes a short time for one of our insurance specialists to tour your facilities with you and quickly determine how the All Church Protector Policy can meet your church’s insurance needs.


Church Protector Insurance

A variety of payment plan options are available. Your agent can help you select the best payment plan for your needs.

With McInturf-Fulmer Insurance Group’s All Church Protector program, it’s easy to tailor a policy to your specific requirements. Add inland marine, auto or umbrella liability coverage, as your insurance needs dictate.

Business Insurance Coverage

Contractors

HVAC, residential & commercial builders, plumbers, electricians, roofers, carpentry, asphalt & concrete, excavation, fencing, floor covering installers, handyman, lawncare/landscaping, masonry, painters, pressure washing, septic tank cleaning/installation, tree trimming & removal.

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Auto Service

Auto repair, body shops, used auto dealer, car wash.

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Office/Professional

Attorney, CPA, Medical/Physician, Funeral Home, Dentist, Veterinarian, Barbershop/Salon.

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Surety Bonds

Bid, performance, license & permit, ERISA, Fidelity, lottery agent, probate, guardianship, estate, administrator, septic installer/service provider or septage hauler.

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Food Service

Restaurants, pizza shops, deli’s, food trucks, concessionaires, breweries, distilleries, wineries.

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Retail

Convenience store, carryout, gas station, florist, furniture stores, grocery stores, natural food stores, power equipment dealer, auto parts store, liquor store.

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Sports/Recreation

Golf course, campgrounds, zip lines, fitness studios, yoga studios, personal trainers, hunt clubs, archery ranges, rifle/pistol ranges, canoe & tube rental, inflatable rentals.

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Landlord

Apartments, strip centers, shopping centers, rental dwellings.

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Non-profit/Social Service

AODA treatment programs, food pantries, hospice, victims’ services, shelters. Civic & social clubs, church’s.

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Church Insurance

No one likes to think of the likelihood or the aftermath of a fire, a tornado, or even vandalism. But these and other similar disasters can happen to your church when least expected.

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Campground Insurance

An insurance designed especially for campground operations. It’s important that your campers enjoy themselves and have fun and safe stay.

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Car Wash Insurance

Buff your coverage to a spot-free shine with McInturf-Fulmer Insurance Group’s Businessowners PLUS Car Wash Program, where our comprehensive insurance coverage is specifically designed to meet the needs of your car wash business.

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Used Auto Dealer Insurance

As a dealership owner, you take pride in matching your customers with the right make and model. Shouldn’t your insurance company take the same care and find you the perfect fit?

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Vaccant Property Insurance

Is there empty space in your insurance coverage?

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Outdoor Adventure Program Insurance

If a client is injured or your property is damaged, you’ll need an experienced team of claim professionals who will be dedicated to handling your loss. McInturf-Fulmer Insurance provides protection for many outdoor adventure operations of all sizes.

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Renovation Program Insurance

McInturf-Fulmer’s Renovation Program will provide you with the coverage you need throughout the project, as well as upon completion. Once your renovations are finished, your policy can be converted for completed building coverages.

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Sports & Leisure Program Insurance

If a client is injured or your property is damaged, you’ll need an experienced team of claim professionals who will be dedicated to handling your loss. McInturf-Fulmer Insurance provides protection for thousands of sports-related businesses.

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Self Storage Insurance

With McInturf-Fulmer Insurance Group’s Businessowners PLUS Preferred Self-Storage Program, our comprehensive insurance coverage is specifically designed to meet the needs of your self-storage business.

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Convenience & Grocery Store Insurance

With McInturf-Fulmer Insurance Group’s Businessowners PLUS Convenience Store or Grocery Store program, our comprehensive insurance coverage is specifically designed to meet the needs of your business.

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