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Insurance Policy for Church Sexual Misconduct

Choose the Right Insurance Policy for Church Sexual Misconduct

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The shift toward openness regarding sexual misconduct has empowered churches to address these issues proactively. While a disaster like property damage might unite your congregation, sexual misconduct allegations can cause deep, sometimes irreparable divisions and lasting damage to your church’s reputation.

Four Essential Prevention Measures

Tenant churches face various risks that can disrupt their mission. The right insurance policy provides solutions for:

1. Comprehensive Written Policies

  • Develop explicit policies at the local church level to prevent sexual misconduct, ensuring all staff and volunteers understand and commit to these guidelines.

2. Six-Month Waiting Period

  • Implement a waiting period for new volunteers working with minors, allowing time to assess their intentions and commitment.

3. Mandatory Background Checks

  • Require all individuals working with children to consent to criminal background checks, adding crucial due diligence.

4. No One-on-One Situations

  • Establish protocols ensuring no child is left alone with an adult on church premises or during activities.

Request your free church insurance quote today or connect with us directly

Expert Guidance When You Need It

Nolan Jackson Insurance provides tailored insurance solutions addressing the unique challenges faced by churches, offering guidance, support, and peace of mind knowing your church community is well-protected.

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Insurance Coverage That Safeguards Your Ministry

  • Complete Defense Cost Coverage Our policy covers all defense costs, providing financial support even for unfounded allegations.
  • Appropriate Coverage Limits Standard coverage of $100,000 per occurrence with a $300,000 aggregate, with higher limits available.

Affordable Protection Add this essential coverage to your church’s policy for approximately $180 annually—a small investment compared to potential risks.

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Learning From Real Experiences

Recent incidents affecting two churches demonstrate that no community is immune to misconduct risks. These cases resulted in significant emotional trauma for young victims and damaged trust in church leadership. The common belief that “we know everyone here” proved insufficient protection.

Customized Solutions for Your Church

  • Work with our insurance professionals to assess your specific needs
  • Regularly review and update your policies to align with evolving standards
  • Partner with experienced specialists who understand the unique challenges churches face

Investing in sexual misconduct insurance isn't just a financial decision—it's a commitment to the safety, integrity, and trust of your church community.

Get a free, no-obligation insurance quote today!

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