Why Does a Church Need Workers’ Compensation?

While taking care of religious activities is a well-known part of church management, your responsibility doesn’t end there. Additional tasks such as looking after financial stability and employee security are also crucial to your overall duties.

To ensure that you meet these requirements, you need to get comprehensive insurance coverage for your church and its employees. This ensures that you have financial coverage in case of unforeseen events and could offer your employees the same security sense.

Workers’ compensation insurance for churches is a prominent yet often underrated part of this approach. While most providers offer the policy, it can sometimes be overlooked in pre-packaged insurance plans if you do not specifically ask for it. This is why you must learn about workers’ insurance and its importance to your church to make an informed decision.

What is Workers’ Compensation Insurance?

Workers’ compensation insurance is used to provide employees with financial protection against unforeseen events at the workplace.

The policy covers instances such as:

Medical bills arising from work-related injuries or conditions.
Lost wages due to work-related injuries or sickness.
Death due to a work-related incident (coverage is provided to employee’s dependents).

Since the policy offers comprehensive coverage against work-related injuries, accidents, and death, it is an integral part of an overall employee benefit program.

Why is Workers’ Compensation Important for a Church?

Even if your church’s operations are mostly based indoors or on-premises, your employees can still fall ill, sustain an injury, or experience an accident.

This doesn’t only put the employee through significant physical and mental trauma but can also land them in financial trouble. If the employee in question is unable to report to work due to their physical condition, it can cause them to lose their income. If the incident is severe, the employees could also lose their life and leave dependents behind.

Without workers’ compensation insurance, it falls onto the church to cover employee treatments, lost wages, or dependent expenses. But if you have the coverage in place, you can take comfort in the fact that your insurance provider will take care of your employee’s needs without damaging the church’s savings.

It is Mandatory in Some States

Seeing how vital workers’ compensation is for employees and organizations alike, some states have made it mandatory for all workplaces to have this insurance policy in place. This also includes entities such as churches and ministries.

These state laws differ by each jurisdiction. In some places, you should have a certain number of employees before the requirement applies to your church. In other areas, you should have workers’ compensation in place regardless of your team's size.

To comply with local laws, you must get workers’ compensation insurance. Even in instances where the policy is not mandatory, you should still purchase it to steer clear of financial troubles.

It Gives Employees a Sense of Assurance

Like many other organizations, a church also depends on its employees to maintain its day to day operations.

Without a dependable team that could consistently look after your church’s property, gatherings, and transportation, your daily activities are prone to experience a disruption. In the long run, this could affect your local community and also affect your overall reputation.

To hire a reliable workforce, you also need to have certain protections that could give your employees the peace of mind they need out of a job. Workers’ compensation insurance is a big part of these employee protections and allows your workforce to continue performing their duties without worrying about uncertain times.

To protect your employees and church from an unnecessary burden, your church must have this policy. This is why you should make it a point to reach out to a credible provider and learn more about their process.

Insurance Packages for Churches In Georgia

Make sure that your church is protected. Learn more about our insurance services for churches in Georgia, including umbrella liability, business automotive, and church packages to protect your organization. Contact us today to chat about how we can help your church obtain great coverage to safeguard your ministry.

< Older Post