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Legal And Insurance Environmental Factors


Beyond being spiritual and worship centers, the church is a social, educational, and recreational center.  Increasingly, in this litigious society we live in, the church is exposed to a wide range of circumstances, occurrences, and, hence, risks and liabilities.  Risk and potential liability exposure areas include, but are not limited to:

  • conditions of the premises where the church meets
  • activities the church sponsors
  • the church's role as an employer
  • vicarious liability (e.e., a child drowns at church-sponsored outing)
  • liability for actions of volunteer workers
  • professional liability of pastors and staff
  • "Renter/Tenant" liability where the new church leases its facilities

Legal defense costs can be substantial.  Simple cases can cost $15,000 to defend.  More complex cases could cost $100,000 - or more.


Last Modified 6/14/05 4:25 PM

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