‘Your Own’ Church Policy

Since 1875, Red River Mutual has protected and insured Churches. We are a Prairie-based mutual insurance company with a tradition of providing leading coverage to Churches of all sizes.

Your Own Church Policy protects more than the Church property, it protects your leaders and your membership with unique coverages specific to faith-based organizations.

Ask your Broker to explain all of the extra coverages packed into Your Own Church Policy.

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 your 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 Transfer
Abuse 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 Date 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
Limited Product Recall Expense
Master Key / Lock Repair or Replacement
Newly Acquired Locations
Newly Acquired Property
Off-Premises Utilities Interruption
Pastor’s Personal Contents and Additional Living Expenses
Pastors & Ministers 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

Consider Adding these Extras

Equipment Breakdown
Sewer Backup
Flood
Earthquake
Increased Abuse Coverage Limits
Director’s & Officer’s Liability
Actual Loss Sustained (Profits)
Increased Pastors & Ministers Liability Limits


Click Here to download – Your Own Church Policy PDF