As part of our tradition of service to Virginians, Loudoun Mutual has developed a very broad package of coverages specifically designed to insure small to mid-sized places of worship located throughout the Commonwealth of Virginia.
Building coverage under the Loudoun Mutual House of Worship Program includes permanently affixed property such as pews, organs, glass, and stained glass. The coverage for the building can be written on a replacement cost, agreed upon value, or actual cash value basis. The building is insured against all fortuitous direct losses not excluded. Unless opted out, the policy includes coverage for equipment breakdown as well as coverage for the building's boiler. The boiler inspection required by the Commonwealth is automatically included as part of this coverage.
Coverage is also provided for non-permanent affixed property that is owned or used by the House of Worship. The base policy provides coverage for specified occurrences or "perils," but the policy can be endorsed to provide "expanded coverage" for personal property against all fortuitous direct losses not excluded.
Up to $100,000 loss of income coverage resulting from a covered loss is included in the Loudoun Mutual House of Worship policy. The coverage is designed to pay for continuing operating expenses such as: payroll, utilities, loss of rental income, and reasonable extra expense coverage to enable the house of worship to return to normal operations as soon as possible after a covered loss. Coverage is provided for up to 12 months following a covered loss.
Money and securities are covered for theft both on and off the building premises. This important coverage is doubled for church holidays such as Easter and Christmas.
Liability coverage provides coverage for acts of negligence and includes coverage to hire an attorney to defend the house of worship. It provides incidental coverage for parking autos and supplemental coverage for liability from non-owned autos being used in church related activities. This coverage also includes personal injury coverage for advertising injury, libel or slander.
Regardless of fault, the Loudoun Mutual House of Worship Program provides a specified amount of coverage for medical payments resulting from an incident that occurs on the church premises or as a result of church operations.