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CORNERSTONE PLUS. Your Program of Protection Should Include:. Property Liability Crime Inland Marine. Your Program of Protection Should Include:. Life Equipment Breakdown Workers’ Comp Umbrella. Business Auto. Property Coverage. Basic Form: Fire Lightning

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Your program of protection should include
Your Program of Protection Should Include:

  • Property

  • Liability

  • Crime

  • Inland Marine

Your program of protection should include1
Your Program of Protection Should Include:

  • Life

  • Equipment Breakdown

  • Workers’ Comp

  • Umbrella.

  • Business Auto

Property coverage
Property Coverage

Basic Form:

  • Fire

  • Lightning

  • Explosion

  • Windstorm or hail

  • Smoke

  • Sprinkler leakage

Property coverage1
Property Coverage

Basic Form:

  • Vandalism

  • Riot or civil commotion

  • Aircraft or vehicles

  • Sinkhole collapse

  • Volcanic action

Property coverage2
Property Coverage

Broad Form:

Includes all basic form perils, plus:

  • Falling objects

  • Water damage

  • Building collapse

  • Glass breakage

  • Weight of snow, ice or sleet

Property coverage3
Property Coverage

Special Form:

  • Includes all Basic and Broad Form perils, plus any cause of loss NOT specifically excluded

Property coverage4
Property Coverage

Special Form


  • Kitchen damage due to appliance failure

  • Theft of church contents from premises

  • Theft, or damage to building from

    attempted theft.

  • Damage from acid/chemical spills

Property extensions
Property - Extensions

  • Newly acquired property

  • Personal property of others

  • Valuable papers and records

  • Property off premises

  • Appurtenant structures

Property extensions1
Property - Extensions

  • Property in the open

  • Outdoor trees, shrubs, plants,

    and lawns

  • Signs

  • Indirect loss

  • Fire department service charge

Property extensions2
Property - Extensions

  • Debris removal

  • Lock replacement

  • Anti-arson reward

  • Sewer/drain backup

  • Ordinance or law

  • Automatic fire suppression recharge

Property extensions3
Property - Extensions

  • Awnings, canopies, fire extinguishers, refrigerated products

  • Pollutant cleanup

  • Church fidelity bond

  • Vacant staff dwelling

Property options
Property - Options

  • Replacement cost

  • No deduction for depreciation on covered property losses

  • Agreed value

    No coinsurance penalty at time of loss

Liability coverage
Liability Coverage


  • Church members, employees, officials, and volunteers acting on behalf of church

  • World-wide coverage

  • Damage to property of others

Liability coverage1
Liability Coverage


  • Advertising/personal injury

  • Newly acquired organizations

  • Legal liability

  • Clergy and lay counseling coverage

Liability coverage2
Liability Coverage

Medical payments:

  • Pays ALL reasonable medical expenses

    of church, regardless of liability

  • Covers members, guests and volunteers

  • Primary coverage on or off premises

  • Excess coverage for athletic activities

  • Loss of Life

Liability optional coverage
Liability - Optional Coverage

  • Directors, officers and trustees

  • Hired and non-owned auto

  • Sexual misconduct

  • Employee benefits

  • Day/nursery/student medical

  • Corporal punishment


  • Church theft:

    • Provides blanket coverage including money and securities

    • Include double money coverage for four days of your choice


  • Employee dishonesty

    • Provides coverage for dishonest acts of officers, ministers and duly appointed or elected officials

  • Forgery and alteration

Inland marine
Inland Marine

  • Musical instruments

  • Fine art

  • Data processing equipment

  • Maintenance equipment

  • Minster’s business property

  • Signs

  • Scheduled property

Equipment breakdown
Equipment Breakdown

Common exposures:

  • Cast iron heating boilers:

    • subject to burning, cracking

  • Air conditioning systems:

    • susceptible to burnout

Equipment breakdown1
Equipment Breakdown

Common exposures

  • Electrical wiring, circuit breakers and switches subject to overload

  • Communication equipment

    susceptible to power surges

Special policies available
Special Policies Available

  • Workers' compensation

    • Pays benefits to employees as required by state law

    • Provides protection for lawsuits brought by employees

Special policies available1
Special Policies Available

  • Umbrella

    • Provides excess limits of liability when underlying limits are exhausted

    • Provides primary coverage for many losses not covered by an underlying policy

Special policies available2
Special Policies Available

  • Business auto

    • Provides liability and physical damage coverage for church-owned vehicles

Group life
Group Life

Coverage for church employees

  • 2-year rate guarantee

  • Death benefit from $10,000 to $250,000

  • No medical exams

Group life1
Group Life

Coverage for church employees

  • Seat belt rider

  • Accelerated death benefit

  • Charitable contribution benefit

Why choose guideone
Why Choose GuideOne?

  • America's leading specialty insurer of churches

  • 50 years of making a difference

  • Excellent ratings and denominational endorsements

Why choose guideone1
Why Choose GuideOne?

  • Claims offices coast-to-coast; catastrophe teams on call

  • Loss control services available

  • Over 3,000 professionally trained agents serving their local communities