There are things that can happen in life that could be out of your ability to control. There are accidents that happen and there are also the actions of other people that you have no say over. It is important that a church has church insurance for these very reasons, because there is not one person on the earth that can prevent some things from happening. If you run a ministry but you do not have insurance for the church, you might want to learn a few things about it and get yourself and the church covered and protected.
One of the things that liability and general property coverage can help the church with is to pay for the repair of damages due to some type of accident. If the church were to catch on fire, it could start to cost a lot of money to replace the hymn books and scriptures. The pulpit might need to be replaced after a fire, and having church insurance is one way to ensure that you will not have to pay for all of those repairs or replacements out of your own pocket. If there were people worshipping inside the church, or clergy workers in there when it caught fire, the general liability coverage would also help to pay for their medical expenses, should they become injured. There are other accidents that could happen, and being insured is one way to feel safe in case something did happen to the church.