HALL & CLARK INSURANCE is a leading expert and one of the largest insurer of churches in the eastern Kentucky region.
As an independent agency for over 50 years, Hall & Clark Insurance has been providing the church community access to numerous insurance companies, allowing us to shop for you the best available price and product to meet and satisfy your insurance needs. You can feel assured we will use every available means to lower the cost of your insurance and provide you with expertise and customized coverages to provide you church with superior protection, the most knowledgeable advice, and unparalleled service. Here are a few of the insurance coverages that your church will want to consider:
- Liability Coverage
- Property Coverage
- Inland Marine
- Add'l Coverages
General Liability coverage protects the church against claims of bodily injury or property damage arising out of its premises or operations for which the church may be legally liable. It also protects the church against its liability for personal and advertising injury offenses, such as libel and slander. Medical expense coverage is also included, regardless of fault.
Those afforded General Liability protection include church members, employees, officials, staff, and volunteers acting on behalf of the church.
A wide variety of optional coverages are also available:
- Non-owned and hired auto liability
- Directors, officers and trustees officers liability
- Employment practices liability
- Pastoral Counseling liability
- Sexual misconduct liability
- Employee benefits liability
Property coverage includes such items as your buildings, contents, signs, property in the open, and fences. Your policy will automatically include coverage for standard items, along with many non-standard items, such as the following:
- Equipment breakdown, including computers, boilers, and electrical equipment.
- Newly acquired, personal and off-premise property.
- Pastor's personal property.
- Ordinance or law.
- Stained glass windows.
- Indirect loss.
Your church may also elect to add the following endorsements to your policy at a modest charge for even greater property protection:
- Crime coverage provides protection for losses resulting from theft, employee dishonesty, forgery and alteration.
- Inland marine covers property that may be transported from one place to another, as well as unique types of property and possessions of artistic merit.
Hall & Clark Insurance Agency offers a full lineup of special policies to complement our Church Program:
- Workers' compensation
- Business auto
- Employee Benefits:
- Health Insurance (Individual or group)
- Group life
- Key employee life
- Group Dental
- Mission Trip Protection