How Much Liability Insurance Do Churches in Georgia Need?

How do you know if your church’s liability limits are high enough to protect your assets and ministry in the event of a lawsuit? Craig Mosgrove, insurance executive at Bitner Henry Insurance Group and pastor, walks through the key policy numbers every Georgia church board and leadership team needs to audit before renewal time. Key coverage limits discussed: General Liability Limits: Understanding the difference between your occurrence limit (common baseline of $1,000,000) and aggregate limit ($3,000,000 annual maximum). Protecting Leadership & Pastors: Target baseline limits for Directors & Officers (D&O) and pastoral counseling professional liability. Legal Defense Reimbursement: Ensuring your upfront legal fee limits are built for real-world legal proceedings ($50,000 to $100,000+). Vehicles & Specialized Risks: Recommended limits for non-owned and hired auto, evaluating sublimits for sexual misconduct and abuse liability, and worldwide liability options for mission trips. Do not rely solely on premium costs at renewal. Learn how to review your declaration page with a specialist to ensure your ministry is properly covered. *** Bitner Henry Insurance Group is a fourth-generation agency providing the highest quality insurance products from over 15 companies. We focus on serving churches, nonprofits, social services, schools, and small businesses. Based in Maryland, the agency serves eight states and the District of Columbia. Contact Bitner Henry Insurance Group: Phone - (800) 231-9963 Website - http://bitnerhenry.com/ Facebook -   / bitnerhenryinsurance   Linkin -   / bitner-henry-insurance-agency