‘Your Own’ Church Policy

Since 1875, Red River Mutual has become a leading insurer of churches,
with comprehensive coverages and a broad array of risk management resources for churches of all sizes.

‘Your Own’ Church Policy protects more than the church property, it protects your leaders and membership with unique coverages specific to faith-based organizations. Red River Mutual invites you to compare ‘Your Own’ Church Policy’s many extras with other insurers. 

Liability Coverage

‘Your Own’ Church Policy provides general liability insurance that covers:

  • The church’s legal liability resulting from injuries to people or damage to their property
  • Damage resulting from other offenses; such as libel, slander and defamation
  • Legal liability due to volunteer workers
  • Pastor’s and Minister’s Liability

Property Coverage

Red River Mutual’s property coverage provides financial protection against loss or damage to your organization’s property, including buildings, contents and more.

You’ll have peace of mind knowing that all of the coverage you require can be found in one policy. Every Red River Mutual commercial package includes more than 50 extensions that provide over $1,000,000 in coverage to meet your unique organizational needs.

Extra Property Coverage Included

Red River Mutual’s policies automatically include coverage for standard losses, such as fire, lightning and explosions, as well as many non-standard losses such as:

  • Bylaw Coverage when building updates are required through bylaws following a covered loss
  • Personal Property of Officers, Employees, Volunteers, Congregation Members & Visitors
  • Building damage by theft
  • Exterior building glass (including stained glass)

Protecting Volunteers

Red River Mutual understands the essential role that volunteers play at most churches. ‘Your Own’ Church Policy provides protection for volunteers including:

  • Bodily Injury
  • Property Damage

Other Coverages Available

Your organization can choose to add any of the following coverages to ‘Your Own’ Church Policy for even greater protection. These coverages are available for a modest additional charge:

  • Equipment Breakdown, including computers, boilers and electrical equipment
  • Sewer Backup
  • Flood
  • Earthquake
  • Actual Loss Sustained (Profits)

Liability Options Available

To further enhance your church’s protection, Red River Mutual offers optional liability endorsements such as:

  • Increased Abuse Coverage Limits
  • Increased Pastor’s and Minister’s Liability Limits
  • Director’s and Officer’s Liability

Policy Features

Applicable Extensions 

Every Red River Mutual commercial package includes an additional bundle of more than 50 extensions that provide over $1,000,000 in extra coverage to meet churches’ unique business needs. Below are some of the key extensions we added to ‘Your Own’ Church Policy:

  • 3D Crime Coverage
    • Employee Dishonesty
    • Loss Inside the Premises
    • Loss Outside the Premises
    • Money Orders and Counterfeit Paper Currency
    • Depositors Forgery
    • Computer Theft and Funds TransferAbuse Coverage
  • Blanket Bylaws
  • Building Damage by Theft
  • Contents at Temporary Locations
  • Contents at Special Events
  • Conviction Reward
  • Coverage for Roadways, Walkways, Parking Lot Paved Surfaces, or Other Exterior Paved Surfaces
  • Debris Removal
  • Electronic Data Processing Equipment & Media Including Systems Breakdown
  • Exterior Building Glass (including stained glass)
  • Extra Expense
  • Fine Arts
  • Fire Department Expenses
  • Fire Suppression System Recharge
  • ‘Green’ Environment Extension
  • Growing Plants Trees Shrubs or Flowers in the Open
  • Headstones, Grave Markers and Mausoleums
  • Inflation Protection
  • Master Key / Lock Repair or Replacement
  • Newly Acquired Locations
  • Newly Acquired Property
  • Off-Premises Utilities Interruption
  • Pastor’s & Minister’s Liability
  • Personal Property of Officers, Employees, Volunteers, Congregation Members & Visitors
  • Professional Fees
  • Removal of Windstorm Debris
  • ‘Safety Net’ Clause
  • Sign Coverage
  • Tools Floater with 5yr Replacement Cost
  • Valuable Papers



Download — ‘Your Own’ Church Policy