Canon 7: Sec. 1 (g) of The Episcopal Church states: “All buildings and their contents shall be kept adequately insured.” As all property is held in trust for the diocese; using the Church Insurance coverage as a model, the minimum insurance requirements as determined by the Diocesan Council of The Diocese of West Missouri are as follows:
Commercial Package Policy
- Buildings, Organs & Contents — Insured to Replacement Value
- Fine Arts / Stained Glass — $1,000,000
- Flood Coverage — $1,000,000
- Comprehensive General Liability — Occurrence: $1,000,000 — Aggregate: $5,000,000
- Pastoral Counseling Liability — Occurrence: $1,000,000 — Aggregate: $5,000,000
- Employee Benefits Liability (EBL) — Occurrence: $1,000,000 — Aggregate: $5,000,000
- Medical Payments — Each person: $30,000
- Sexual Misconduct Liability — Occurrence: $1,000,000 — Aggregate: $2,000,000
- Crime/Employee Dishonesty — Occurrence: $50,000 (minimum)
Directors & Officers (D&O) Policy
- Directors’ & Officers — $1,000,000
- Employment Practices Liability (EPL) — $1,000,000 (including Sexual Harassment)
Workers’ Compensation Policy
- Bodily Injury by Accident — Each accident: $1,000,000
- Bodily Injury by Disease — Policy limit: $1,000,000
Umbrella Policy (Excess Liability)
As excess over Commercial General Liability, Pastoral Counseling, Sexual Misconduct, Directors’ & Officers, Owned Auto, Hired and Non-Owned Auto and Workers Compensation.
- Occurrence: $1,000,000 — Aggregate: $1,000,000
Cyber Liability and Cyber Crime
- Cyber Liability — $250,000
- Cyber Crime — $25,000
Malicious Attack
- $10,000,000 as a shared limit
