Connect coverage to the actual operation
Religious and community organizations can combine worship, education, childcare, counseling, outreach, events, transportation, housing, employees, volunteers, and governance. Every program and affiliated entity should be identified so management, property, and liability coverage reflect actual operations.
Risks to review
- Governance, employment, counseling, discipline, and leadership allegations
- Abuse, molestation, supervision, volunteer, youth, and childcare exposure
- Buildings, equipment, vehicles, events, and catastrophe loss
- Donations, crime, cyber, privacy, and interrupted programs
Information to prepare
- Entities, ministries or programs, locations, buildings, and services
- Leaders, employees, volunteers, youth activities, screening, and training
- Vehicles, transportation, counseling, childcare, events, and travel
- Board practices, financial controls, property values, claims, and current coverage
Frequently asked questions
Should affiliated programs be listed separately?
Yes. Legal entities, ownership, employees, programs, property, vehicles, finances, and insurance arrangements should be clearly identified.
Why review both D&O and EPLI?
Leadership and governance allegations can differ from claims involving hiring, discipline, discrimination, harassment, or termination. The policies may coordinate or exclude exposures differently.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.