Specialized Business Insurance

Insurance coverage and risk management solutions for companies in various industries.

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Specialized business insurance throughout Texas in Frisco, Plano, Prosper, Dallas, McKinney and Allen.

Different businesses have different insurance needs. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.

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Which business insurance is right for your company?

Explore how having the right business insurance can protect your company from the unexpected.

Church

Stained Glass Insurance

Risk Factor

Stained glass is often very valuable and sometimes priceless. Several hundreds of thousands of dollars might be needed to refurbish the stained glass. If it’s damaged by vandalism, hail, fire or other means, it can be very costly to fix. Finding a qualified contractor may also be challenging.

Solution

Depending upon your insurance coverage, an appraisal of your stained glass damage could be free of charge. In addition, consider including the value of the stained glass in the building limit of the church, and also include coverage under the church’s blanket limit. Some insurance companies may treat stained glass as part of a fine arts floater. Either way, this helps ensure the proper coverage in the event that something bad happens.

Abuse and Molestation Insurance

Risk Factor

There are hundreds of reports each year of people being sexually abused by clergy, church staff, volunteers and congregation members. Countless more are abused without any report being made.

Solution

Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.

Non-Owned Auto Insurance

Risk Factor

Church volunteers and employees often use personal vehicles to do work for the church.

Solution

Make sure to add hired and non-owned auto coverage to the church’s insurance policy to cover this exposure. Also, check the motor vehicle records for anyone who drives other members…especially kids.

Religious Freedom Insurance

Risk Factor

Churches sometimes have very closely held beliefs that may open them up to potential lawsuits in the event the church’s beliefs cause someone else to feel wronged. An example might be a church refusing to perform a same-sex marriage, which results in a lawsuit.

Solution

Consider adding religious freedom coverage. This insurance can protect the church in the event it is sued because of closely-held beliefs core to the church.

Directors & Officers Liability Insurance (D&O)

Risk Factor

Almost all churches have some form of board of directors that makes financial and operational decisions on behalf of the congregation. An organization once sued a church for improperly using their trademarked property while promoting a fundraising event. The total loss and defense costs totaled $400,000.

Solution

Directors and officers liability insurance protects the decision-makers of the church from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the church’s D&O policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.

Church Roof

Risk Factor

Roof claims are the most common claims that churches face. Each year, billions of dollars of damage are typically paid as a result of storm damage.

Solution

Ensure you have the proper coverage and confirm that you are insured to full replacement value. In addition, make sure your insurance policy includes replacement cost coverage for roof claims for wind and hail.

Church Security

Risk Factor

Security in churches is becoming a larger issue as attacks have increased in recent years.

Solution

Every church should have a security plan. This plan should detail where parishioners go in the event of an emergency, which entrances are open during worship times, who should contact the authorities, how to spot someone who may pose a security risk and how to react to someone who is trying to cause harm to parishioners.

Professional Liability Insurance

Risk Factor

Pastors often find themselves giving counseling to couples or other church members. In addition, pastors could be at risk of a lawsuit for what they say in the pulpit.

Solution

When it comes to counseling, pastors should have clear guidelines on what is acceptable in a counseling situation. In addition, pastors should be trained to know what needs to be reported to the authorities in the event of an extreme situation. Adding professional liability coverage to your church’s insurance policy can help protect the pastor and church from claims or lawsuits arising from what the pastor says at the pulpit or when teaching or preaching.

Church Insurance

A church is so much more than a place of worship—it's also a community center, an employer and oftentimes, a home. We offer customized insurance options that fit all of these unique needs.

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Contractor Insurance

Contractor insurance isn't one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business' unique needs are protected.

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Condo Building Insurance

Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.

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Fitness Center Insurance

As a gym or fitness center owner, customer waivers are usually not enough to protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.

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Garage Repair Shop Insurance

Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.

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Manufacturer Insurance

Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you're in, there's one thing in common: the need to protect your business. We can help you design the right manufacturer's insurance policy.

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Medical Office Insurance

Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.

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Non-Profit Insurance

Even though your organization's goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We'll help you design a non-profit insurance policy that covers your organization's unique needs.

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Professional Services Insurance

When your business handles services that are very personal, it's important to have the right insurance in place to protect your clients and your business. Professional services insurance is a great way to manage this.

Property Manager Insurance

If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we'll help you navigate the world of property manager insurance and design coverage that's a perfect fit.

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Real Estate Investor Insurance

Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We'll help manage those risks and keep your investment protected.

Restaurant Insurance

Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.

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Retail Business Insurance

As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.

Technology Firm Insurance

Technology firms face unique risks due to the nature of their work. Specific tech firm insurance can help to combat and prevent these risks.

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Wholesaler and Distributor Insurance

As a wholesaler or distributor, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.

Moore Insurance Group offers specialized business insurance throughout Texas in Frisco, Plano, Prosper, Dallas, McKinney and Allen.

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