Property Coverage

We've designed a full line of coverage options specifically for the risks and issues churches face.  Some of those unique coverages include:

• Accounts Receivable On & Off Premises
• Business Personal Property of Officers
• Employees' Tools and Clothing
• Money and Securities - Inside/Outside Premises
• Musical Instruments
• Personal Effects and Property of Clergy
• Property In Transit
• Property Off-Premises
• Appurtenant Structures such as fences, pavilions, playground equipment, gravestones and markers
• Built-In Organs, Electronic Bell/Sound Systems
• Business Income and Extra Expense (including payroll)
• Employee Theft including ERISA
• Inflation Guard Protection
• Ordinance or Law Coverage
• Stained Glass Included in Building Limit
• Water Back-Up and Sump Overflow

Insurance Coverage You Can Have Faith In

You play an important role in lives each and every day by helping your members grow in their faith and spreading your mission throughout the community.  We feel that is where your focus should stay.  So when it comes to insuring your church, you can confidently put your faith in Top O' Michigan to protect your congregation.

We understand the specific needs of your organization because we're involved right there in your community.  We know about the services you provide to benefit others and the opportunities created for the greater good.  With so many individuals depending on you, we have designed a custom insurance policy for churches to provide strength when the unexpected happens.

You put your congregation first so be sure you have the right insurance that puts them first too.  Contact us today at 800-686-8664 or email BusinessDevelopment@TOMIA247.com. 

Liability Coverage

In addition to the unique property coverage we provide, our program also offers your church liability protection for claims against the organization.  This includes:

• Bodily injury or Property damage
• Directors and Officers Liability
• Pastoral Professional Liability
• Religious Expressions Coverage
• Sexual Misconduct
• Medical Payments - Church Sponsored Athletics
• Accidental Death Indemnity
• Church Counseling Professional Liability
• Catastrophic Incident Response
• Employment Practices Liability
• Cyber Liability
• Non-Owned & Hired Auto
• Employee Benefits Liability
• Coverage for Volunteers, Members, Minister, Board Members, Trustees, Teachers
• Special Events w/ Host Liquor Liability
• Umbrella Coverage