Common questions about Churches and religious organizations
Answering the most frequently asked questions about Churches and religious organizations.
Are counseling services covered?Gravity Certs2026-08-17T23:36:42-04:00
Only with professional liability. Pastoral counseling can generate claims general liability won’t touch.
What about our building and organ?Gravity Certs2026-08-17T23:36:42-04:00
Commercial property covers them, though historic buildings and organs usually need scheduling and agreed value.
Do trustees need directors and officers coverage?Gravity Certs2026-08-17T23:36:41-04:00
Yes. Governance decisions expose trustees and elders personally, regardless of volunteer status.
Are cash collections a crime exposure?Gravity Certs2026-08-17T23:36:41-04:00
Yes. Offering collections with limited controls are a recognized employee dishonesty exposure.
Is abuse coverage included?Gravity Certs2026-08-17T23:36:40-04:00
Usually only by endorsement and often sublimited. For congregations with youth programs this is the critical question.
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