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Church & Non-Profit Insurance

Peace of Mind for the Steward

Capitol provides peace of mind no matter your needs.
Church

Auto

Commercial auto insurance provides protection for any vehicle designated for your church’s use against both property damage and liability.

Who needs this?

  • Churches with vehicles
  • Bus ministries
  • Non-profits whose volunteers use vehicles
Church

Crime

Crime insurance covers money, securities and other property against criminal acts, such as employee theft, robbery, forgery, extortion and computer fraud.

Who needs this?

  • Churches with employees or volunteers
  • Non-profits with customers and vendors
  • Organizations that maintain customer records
Church

Cyber Deception & Liability

Cyber policies cover the risks and exposures that are caused by operating in a digital world. They have a diversity of coverages and are regularly updated. Our cyber experts can help you navigate them.

Who needs this?

  • Churches
  • Non-profits
Church

Directors & Officers Liability

Directors & Officers is a type of liability insurance covering officers, board members, and employees for claims made against them while carrying out their duties.

Who needs this?

  • Non-profit boards
  • Community Associations such as a Homeowners Association or Board
  • For-profit companies with a board of directors
Church

Employment Practice Liability (EPLI)

Designed to protect employers from employee lawsuits alleging poor employment practices.

Who needs this?

  • Every church, non-profit, or organization with employees
Church

Equipment Floater

Transporting equipment can result in damage not covered by your property or auto policies. Equipment Floater insurance fills that gap.

Who needs this?

  • Non-profits that move equipment from place to place
  • Churches with multiple sites
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ERISA Bonds

An ERISA fidelity bond is a type of insurance that protects the plan against losses caused by acts of fraud or dishonesty.  Almost all retirement fund are require do be bonded.

Who needs this?

  • Every person who “handles funds or other property” of an employee benefit plan
Church

Fiduciary Liability

Fiduciary liability insurance is targeted at protecting church’s and employers’ assets against fiduciary-related claims of mismanagement of a church’s employee benefit plans

Who needs this?

  • Church employee benefit plan managers
Church

Foreign Liability

Foreign General Liability coverage is the first line of defense against legal actions arising from operations outside the U.S. But it can also cover much more.

Who needs this?

  • Any organization that travels overseas
Church

General Liability

Protects your organization from financial loss should you be liable for property damage, bodily injury, or personal and advertising injury caused by your operations or your employees.

Who needs this?

  • Essential coverage for all organizations
Church

Key Person Life

Key person insurance offers a financial cushion if the sudden loss of a certain individual would profoundly negatively affect the church’s operations.

Who needs this?

  • Churches
  • Other not-for-profits
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Mission Trip

Mission Trip insurance is explicitly for people on mission trips who need temporary international medical insurance while traveling anywhere outside their home country

Who needs this?

  • US Citizens, or Nationals, traveling outside their country.
  • For individuals or groups.
Church

Sexual Abuse & Molestation Liability

This liability policy is essential for all organizations that work with seniors, elderly or children. It defends against sexual abuse and molestation accusations until an alleged perpetrator is found to by guilty.

Who needs this?

  • Any organization with vulnerable individuals in their care, custody, or control.
  • Employees and volunteers
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Umbrella

Provides higher limits on liability insurance protection for when the cost of a lawsuit exceeds the limit of your primary policies.

Who needs this?

  • Churches
  • Non-profits
  • Other organizations
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Workers Compensation

Workers Compensation is required by law whenever there are employees present.

Who needs this?

  • Business owners
  • State laws dictate who is required to purchase