Church BOP

Farm Bureau Insurance offers a one-of-a-kind BOP for churches. The special form church endorsement offers the following additional coverages:

1. Cemeteries

Protection is provided for cemeteries owned by the named insured

1. Fire Department Service Charge

The amount paid for fire department service charges that you have assumed by contract, or are required to assume by local ordinance, is increased.

1. Personal Property off Premises

The amount paid for loss to business personal property other than money and securities while off premises is increased. Coverage also is provided for personal property other than money and securities owned by you and located in dwellings that you own and maintain for your employees' use.

1. Outdoor Property

Insurance protection may be extended to include damage to outdoor fences, radio and television antennas, signs, trees, shrubs, plants, lawns, statuary and crosses.

1. Valuable Papers and Records (Research)

The amount we will pay to cover the cost of research, replace or restore the lost information on lost or damaged valuable papers and records for which duplicates do not exist is increased.

1. Personal Effects Belongings to You and Others

We will pay for the loss to personal effects belonging to you, your directors, trustees and any other individual, other than clergy. We also will pay for loss to the personal effects of clergy at the premises. Limits apply.

1. Water

We will provide coverage for loss due to back-ups from sewers and drains.

1. Liability

Included as named insureds are members, directors, officers, trustees, volunteers, members of the board of governors and clergy, but only with respect to their duties as such. Medical expense coverage is provided for donated labor.

Optional Coverages:

1. Pastoral Counseling Professional Liability

We provide liability protection that may result from any acts, errors or missions from counseling activities of a pastor.

1. Church Day Care

We provide Business Liability and Medical Expenses to church day care nurseries or day care centers if operated either solely by your church or by an individual or organization not affiliated with your church.

1. Sexual Misconduct Coverage

We provide Business Liability and Medical Expenses to churches for liability resulting from acts of sexual misconduct or sexual molestation.