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| Coverages |
Minimum Limits |
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| PROPERTY - Per Occurrence |
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| Building and Business Personal Property |
Replacement
Cost/Per Schedule |
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| Building and Business Personal Property |
$100,000,000
limit per occurrence |
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| Building Glass/Stained Glass* |
Included
in building limit |
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| Property Deductible per Occurrence |
$
1,000 |
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| Named Storm Wind Deductible |
2% of Building
Value for coastal Tier 1 counties |
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| Named storm limit* |
$25,000,000 per
occurrence |
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| Agreed Value / Margin Clause |
Coinsurance
waived/ 125% of scheduled value |
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| Newly Acquired/Constructed Property* |
$
1,000,000/90 Days |
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| Valuable Papers (Original Information Property)* |
$
50,000 |
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| Rental Value/Business Income/Extra Expense* |
$
50,000 |
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| Electronic Data Processing Equipment* |
$
50,000 |
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| Accounts Receivable On/Off Premises* |
$
50,000 |
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| Unreported Premises |
$
250,000 per location / $500,000 aggregate |
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| Ordinance or Law |
25%
of Building Value (Supplemental Limits) |
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| Debris Removal |
25%
of Loss |
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| Pastor's Business Effects |
$
50,000 |
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| Fine Arts/Mobile Equipment* |
$
25,000 |
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| Boiler & Machinery/Mechanical Breakdown |
$100,000,000
limit per occurrence |
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| Flood* |
$
25,000,000 Per Occurence/$100,000 Ded/Excess NFIP |
|
| Earthquake* |
$
25,000,000 Per Occurence/$100,000 Deductible |
|
| LIABILITY - Per Church |
|
| General Liability Annual Aggregate |
$
3,000,000 |
|
| Bodily Injury/Property Damage Liability |
$
1,000,000 Each Occurrence (Incl Corporal Punishment) |
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| Personal/Advertising Injury |
$
1,000,000 Each Occurrence |
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| Medical Payments |
$
10,000 Each Person |
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| Fire Damage Legal Liability |
$
1,000,000 |
|
| Products/Completed Operations |
$
1,000,000 Each Occurrence/$ 3,000,000 Aggregate |
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| Day Care Coverage |
Included
for Church-owned and operated daycare centers |
|
| Volunteers |
Included
as insureds/employees |
|
| Pastoral Professional |
$
1,000,000 Each Occurrence/$ 3,000,000 Aggregate |
|
| Directors & Officers Liability |
$
1,000,000 Claims Made Basis/$2,500 Ded/Claim $
10,000,000 Conference Aggregate |
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| Employment Related Practices Liability |
$
1,000,000 Claims Made Basis/$2,500 Ded/Claim $
10,000,000 Conference Aggregate |
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| Sexual or Physical Abuse or Molestation |
$
1,000,000 Each Occurrence
$ 2,000,000 Aggregate Each Church |
|
| Employee Benefits Liability |
$
1,000,000 ($1,000 Deductible/Claims Made Basis) $ 3,000,000
Conference Aggregate |
|
| AUTO |
|
| Church owned Vehicles |
$
1,000,000 Combined Single Limit, including UM/UIM; $ 10,000 Medical,
$500 Comp/Collision Deductible |
|
| Hired/Non-Owned Auto Liability |
$
1,000,000 each limit |
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| Hired Auto Physical Damage |
Included
/ $50,000 per vehicle |
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| CRIME |
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| Employee Dishonesty (Crime)* |
$
100,000/$1,000 Deductible |
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| Money/Securities Inside/Outside* |
$
25,000/$1,000 Deductible/$50,000 on special giving days |
|
| Depositor's Forgery* |
$
50,000 |
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| WORKERS' COMPENSATION |
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| Workers' Compensation |
$
1,000,000 Each Accident;
$ 1,000,000 Disease Policy Limits;
$ 1,000,000 Disease Each Employee |
|
| EXCESS |
|
| Umbrella Liability* |
$ 5,000,000 Conference
Aggregate |
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| *Higher Limits
Available Upon Request |
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