Inventory the building and what’s inside
Start with owned and leased space, including fellowship halls, outbuildings, offices, and equipment. Note features that could be expensive to restore, such as historic finishes or stained glass. Ask how the policy values the building and contents, how deductibles apply, and whether hazards such as flooding require separate coverage.
Describe how people use the property
Share your calendar with the agent. Include worship services, youth activities, meal programs, fundraising events, and rentals to outside groups. Ask who qualifies as an insured, how volunteers are treated, and whether specific activities need separate coverage. If staff or volunteers drive for the organization, explain whose vehicles they use and whether passengers are transported.
Review the policy when activities change
Keep one list of buildings, programs, contracts, vehicles, and named insureds that the board can review before renewal. If the organization starts a new program or leases space to another group, check with the agent before it begins. Ask which exposures need separate policies or endorsements and record any gaps you decide to address.
Coverage depends on your policy’s terms, limits, and exclusions.