MSO House of Worship Program

The House of Worship Program is one of the most comprehensive and competitive on the market, offering a two-tiered rating system. For lower valued buildings, there is a simplified BOP-type rating, while other buildings are specifically rated. Each specifically rated building is inspected by MSO, and the rate is tailored to the building’s unique characteristics.

Unlike most industry programs, the MSO House of Worship Program automatically includes an additional limit of Building Code/Law coverage. This is an important feature for churches, which are often not up to code. Building glass, stained glass and permanently installed items usual to a church (altars, lecterns, pews) are included in the building coverage. When money and securities coverage is provided, the basic limit for money is automatically increased during specified holidays.

Our program also includes property and liability coverages in one easy-to-use form. Members, Trustees, Directors and Volunteer Workers are included for liability. Volunteer Workers are also included for medical payments. Coverage is included for personal effects of clergy as well as personal effects of others.

Available endorsements include Pastoral Counseling Professional Liability, Directors and Officers Liability, Donated Vehicles and Day Care/Nursery/Preschool – Excess Medical Payments.