Loudoun Mutual Insurance


Why You Should Choose Loudoun Mutual Insurance Company

Loudoun Mutual Insurance Company is rated A- (Excellent) by AM Best, the premier insurance rating organization. A.M. Best ratings are issued on over 3,500 companies in more than 80 countries worldwide. Best’s Credit Ratings are recognized as a benchmark for assessing a rated organization’s financial strength as well as the credit quality of its obligations.

House of Worship

House of Worship Coverage Brochure
Equipment Breakdown for House of Worship Coverage Brochure
The Simple 7 Scenarios — Why You Need Equipment Breakdown for House of Worship Coverage

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.


Enhancements that come standard with our House of Worship Program include:

  • Building Code/Ordinance of Law Coverage – Automatically Included Loudoun Mutual’s House of Worship Program automatically includes an additional coverage limit to pay for building code upgrades that become necessary after a covered loss
  • Expanded Definition of the “Building” We recognize that churches are unique structures with special features; included in the definition of the building is building glass, stained glass, and permanently installed items usual to a church such as organs, altars, lecterns, and pews
  • Outdoor Statuary, Crosses, Tombstones A base amount of coverage for outdoor statuary, crosses and tombstones is automatically included in the policy; higher coverage limits are available to accommodate unique situations
  • Extended Definition of an “Insured” The definition of an “insured” is clarified to provide liability coverage for members of the congregation, trustees, directors and volunteer workers; supplemental medical payments coverage is also provided for volunteer workers who become injured at a church sponsored event
  • Personal Effects Coverage The policy includes coverage for the personal effects of the clergy as well as other members of the congregation
  • Consequential Loss Coverage Additional coverage is provided for spoilage losses caused by the loss of utility service or mechanical breakdown of the refrigeration equipment
  • Optional Coverages Designed for Houses of Worship Professional Liability Coverage for Pastoral Counseling, Directors and Officers Liability, Employee Dishonesty, Sexual Misconduct, Donated Vehicles, and Property and Liability coverages for the clergy’s residence are some of the additional coverages available under our House of Worship program

There is a Loudoun Mutual agent in your area ready to help you become a policyholder; contact one today!

This summary is intended for informational purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.