There are 257,404 small businesses in Mississippi and growing. When you run a nonprofit, you'll still need coverage for the unexpected. Mississippi business insurance will have protection for your church as well. 

A Mississippi independent insurance agent can help with coverage and premium options that fit your budget. Since they have a network of carriers, you'll get the best policies in town. Connect with a local expert to get started in minutes. 

What Is Church Insurance?

Insurance for your church will come in many forms and will depend on your daily operations. If your church offers childcare, you'll need specific coverage for that exposure. Check out some common policy choices for church insurance below:

• General liability
• Business property
• Sexual misconduct
• Commercial umbrella liability
• Workers' compensation
• Employment practices liability

Church membership among Americans (from 1992 to 2020)

Church membership has fluctuated over the years in the US. It's essential to know what's covered under your church insurance policies to be better prepared for a loss.

What Does Church Insurance Cover in Mississippi?

When your church offers services and events to the public, there are some things you need to know. Your church will need coverage for all the risks involved in running services and events regularly. Let's look at common coverage for churches:

• Coverage for claims of bodily injury or property damage
• Coverage for your church property that is damaged due to a covered loss
• Coverage for sexual misconduct 
• Coverage for church equipment that breaks down due to a covered loss
• Coverage for employees or volunteers who are injured or become ill on the job
• Coverage for disgruntled employees or volunteers that sue due to discrimination or harassment

These perils are automatically included under your church policies in most cases:

• Fire
• Natural disasters
• Theft
• Vandalism
• Water damage (not from a direct flood loss)

How Much Is Church Insurance in Mississippi?

Each church facility will have numerous policy options that are rated on their specific situation. In Mississippi, had $3,120,632,000 in commercial insurance claims were paid in 2019 alone. Carriers use a variety of risk factors when calculating your costs. Take a look at the factors companies consider when quoting:

• Loss history
• Replacement cost values
• Insurance score
• Experience level
• Location
• Local crime rate

How Much Property Is Covered under Church Insurance in Mississippi?

Your church's establishment will need property coverage for any damage or losses that may occur. If you own the building, you'll want replacement cost coverage as well as insurance for your church belongings and equipment. Theft and vandalism are automatically insured on your commercial property policies.

Property crime rates in the US (per 100,000 population)

When you run a church, safety is vital for your building and congregation. Fortunately, your church property policy will respond to theft and vandalism claims.

Will My Mississippi Location Impact My Rates?

Mississippi is home to 2,990,468 residents, making it a good place to have a church. The more people that you can reach in your location, the better. Where your church is located will have an effect on your insurance costs as well.

Carriers take into account the risks involved in each area. From crime rates to weather patterns, your insurance premiums will be impacted. The flood zone you are in will determine if you need a separate flood insurance policy too. 

How an Independent Insurance Agent Can Help in Mississippi

If you operate a church in Mississippi, you'll be responsible for a lot. Anything that goes wrong on and off your property, related to the church, could create a loss for your nonprofit. Fortunately, you can review coverage with a trusted adviser at no additional cost. 

A Mississippi independent insurance agent can help you find the right policies for an affordable price so that you're protected. They'll do the shopping for you, saving you time and money. Connect with a local expert on TrustedChoice to get started today.