Recommended Minimum Standards of Property and Liability Insurance for Churches, Presbyteries and Synods

The 1999 survey of presbyteries reflected various amounts of insurance coverage purchased by presbyteries and revealed a significant number of presbyteries do not have minimum standards of coverage for their member churches.

After reviewing the information gathered in the 1999 survey, a Joint Insurance Committee established recommended minimum standards of property and liability insurance. These recommended minimum standards should be used as a general guideline only. As always, an insurance professional must be used to evaluate the insurance needs of each church and middle governing body.