Property Insurance

This is the vehicle that is used to repair or rebuild churches and schools that have been damaged by a number of causes. This insurance pays the insured for physical loss or damage to their church property–building and contents. The protection of church property is how the organization (ARM) got started almost 70 years ago.

Equipment Breakdown

This equipment breakdown coverage applies to direct damage resulting from an accident involving equipment. In general, equipment covered includes any property built to operate under vacuum or pressure. Coverage includes property damage, business income, extra expense, service interruption, perishable goods, ammonia contamination, demolition increase, cost of construction, and CFC refrigerants.

General Liability

This insurance pays the sums that the Insured becomes legally obligated to pay, or that the insurance company has agreed to pay, for damages to others as a result of the Insured’s negligence. This policy may cover bodily injury to another individual or damage to property belonging to others. A very common example of this coverage is the person who falls down the steps at church and incurs medical bills. This policy also provides protection for the policyholder when someone alleges negligence.

Automobile Insurance

This refers to any type of insurance pertaining to the ownership, maintenance, or use of automobiles. There are several coverages typically included in church related automobile policies including: Auto liability – which provides protection from loss incurred through legal liability for bodily injury and damag e to property of others, caused by accidents arising out of ownership, maintenance, or use of an auto by the Insured. Auto medical payments – coverage pays the medical expenses of the policyholder and any of the passengers injured by the Insured’s auto, without regard for fault. Uninsured motorist -pays all sums the "insured" is legally entitled to recover as compensatory damages from the owner or driver of an "uninsured motor vehicle." Auto physical damage – protection for material damage insurance, which covers loss or damage to the Insured’s auto. Auto insurance is used by church entities throughout the U.S. In addition to the cars that are covered for conferences and churches, it also provides coverage for numerous buses as well as trucks. The church auto policies also include coverage hired and non-owned vehicles.

Sexual Misconduct

Employment Practices Liability
This refers to an insurance policy that provides protection for certain claims arising out of the employment arena to include coverage for volunteers. Particular coverages include sexual harassment, wrongful termination, defamation, and intentional infliction of emotional distress. Additionally, the policy offered by the church includes coverage for sexual molestation.

This refers to an insurance coverage that may provide liability and legal expense protection against claims that arise due to sexual misconduct.

Camp Insurance

This coverage offers protection against covered accidents and sickness that occur while attending or traveling to and from a participating camp.


This coverage is designed to provide limited additional medical, disability income, and accidental death or dismemberment expenses for injuries sustained during approved volunteer service.


Accident Injury Plans are available to Amateur Sport Organizations for both Youth and Adult Groups. Accident Medical Expense Coverage is often purchased to help enhance Liability coverage and help deter Liability claims. When Medical bills are paid, without any out-of-pocket expense to the insured, the risk of Lawsuits may be greatly reduced.


Crime Insurance - This coverage provides payment for direct losses of money, securities, or other property caused by theft or forgery by an employee acting alone or in collusion with others. Coverage for premises, transit, and funds transfer fraud is also included.

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