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Cornerstone Plus
Your house of worship represents a major financial and
personal commitment by your members. The Cornerstone Plus
protects your house of worship with a solid insurance
foundation. We offer flexible coverage designed to meet
the needs of your house of worship.
Property
Coverage
Three options available: Basic Form - Broad Form - Special
Form
Basic
Form Includes:
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Fire |
• |
Lightning |
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Explosion |
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Windstorm
and Hail |
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Smoke |
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Aircraft
and Vehicles |
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Riot
and Civil Commotion |
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Vandalism |
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Sprinkler
Leakage |
• |
Volcanic
Action |
Broad Form Includes:
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Damage
by Falling Objects |
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Weight
of Snow, Ice, or Sleet |
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Accidental
Water Damage Due to Leakage or Discharge, Including
Overflow of Baptistery |
• |
Collapse
of Building Due to Certain Specified Causes |
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Unlimited
Breakage of Glass |
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Special
Form includes all causes of loss in the Basic
and Broad forms, plus:
Any other causes of loss that are not specifically
excluded.
· Damage caused by acids or chemicals being
spilled.
· Theft or attempted theft of part of the
building.
· Theft of content from house of worship
premises.
Employment
Practices Liability
For organizations selecting directors, officers,
and trustees coverage we now provide Employment
Practices Liability (EPL).
EPL insurance covers a religious institution in
areas relating to employment including discrimination,
wrongful termination, and sexual harassment.
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Extra Converges Included in the Basin, Broad, and Special
Cornerstone Policies:
· $1,500,000 for Newly Acquired Property for 180
Days
· $25,000 Personal Property Coverage for Ministries
and for Personal Property of Others in Your House of Worship
at Replacement Cost
· $25,000 Coverage for Valuable Papers and Records,
Cost of Research
· Ordinance or Law: $250,000 for Any of the Following
Converges and $500,000 for Any Combination - Demolition
Cost, Increased Cost of Reconstruction and Value of Undamaged
Portion of Building Caused by Ordinance or Law
· $25,000 Appurtenant Buildings and Property in
the Open
· $25,000 for Property Off-Premises, Including
Property in Transit
· $10,000 Total for Trees, Shrubs, Plants, and
Lawns; up to $1,000 per Plant
· Indirect Loss - $50,000 Blanket for Extra Expense,
Tuition Fees, Loss of Rent, Evacuation, and Proof of Loss
· $7,500 for Signs in the Open
· $1,000 for Church Fidelity Bond (Higher Limits
Available)
· $1,000 Lock Replacement
· $15,000 Anti-Arson Reward
· Vacant Staff Dwelling - No Time Limit
· Sewer or Drain Backup
· Actual Cost for Fire Department Service Charge
· $10,000 Pollutant Cleanup
· Debris Removal Included in Building Limit (25
Percent Maximum) Including Fallen Trees; $10,000 Additional
Available
· $5,000 Radio, Television Antennas, and Satellite
Dishes
· $250 Antitheft Reward
· $7,500 Fire Extinguisher Recharge, Refrigerated
Products Loss, and Automatic Fire Suppression Recharge
- Blanket Insurance
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Values
Services for Our Customers
Any time your house of worship needs a trusted
source of assistance with business-related concerns,
we likely can refer you to an experienced firm
whose record of service, value, and integrity
match our own. Added services you may take advantage
of include:
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Construction • Financing
Employee and Volunteer Screening • Volume Purchasing
Our
Programs are endorsed by:
· Southern Baptist Convention
· Presbyterian Church USA
· Presbyterian Church of America
· Church of God
· The Friends
· Assemblies of God
· American Association of Baptist Churches
· Christian Missionary Alliance
· Church of Christ
· Church of the Nazarene
· Congress of National Black Churches
· Episcopal Church
· Evangelical Covenant Church
· Evangelical Free Church
· Evangelical Lutheran Church of America
· Lutheran Church Missouri Synod
We
offer extra benefits and special discounts to churches
affiliated with the above organizations. Please call
our office for all the details.
Life
For
every stage of life, you're covered.
For marriage, children, college, retirement, and every
stage of life in-between, GuideOne® Insurance offers
products that meet your needs and fit your lifestyle.
From Term Life coverage, Universal Life and Whole Life,
to Retirement Annuities, IRAs, and Income Protection
policies, GuideOne Life products give you the freedom,
flexibility, and security to live every stage of your
life.
Find the Right Life Product That Fits Your Lifestyle
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