UPIC makes the process straightforward and stress-free. Our experienced local agents understand the specific risks churches face and shop multiple carriers to help you secure competitive rates with the right limits and endorsements. Clients consistently appreciate our personalized service and responsiveness.As an independent insurance agency, UPIC specializes in business and organizational insurance solutions, including dedicated coverage for churches and religious institutions. We proudly serve the entire state of Ohio—from Hamilton, Butler, and Warren counties in the south, through central Ohio, and up to Cuyahoga County in the north—along with Kentucky, Indiana, Tennessee, Florida, and additional states.Key Coverages Churches Need
- General Liability – Protects against claims of bodily injury, property damage, and personal and advertising injury.
- Sexual Acts Liability – Covers liability for bodily, personal, or emotional injury arising from a sexual act in connection with the organization’s operations.
- Religious Institution Directors, Officers, and Trustees Liability – Protects directors, officers, and trustees against allegations of errors, omissions, and other breaches of their duties.
- Personal Coverage Endorsement – Provides personal property, liability, and medical payments coverage for ministers or other church employees (similar to a renters policy).
- Employment Practices Liability – Covers allegations of wrongful termination, discrimination, harassment, and other workplace-related issues.
- Counseling Professional Liability – Protects against professional liability claims arising from the counseling activities of pastoral staff and trained lay counselors.
- Equipment Breakdown Coverage – Covers the breakdown of mechanical, electrical, and production equipment.
- Comprehensive Identity Management Services – Helps protect the organization and its employees against identity theft and data breach issues.
- Business Income and Extra Expense Coverage – Protects against loss of income caused by covered perils.
- Employee Dishonesty and Faithful Performance Coverage – Protects against financial losses resulting from fraudulent or dishonest acts committed by employees.
