Local risk picture
The building is the risk: stone construction, slate roofs, plaster and stained glass with replacement costs far beyond market value, plus urban liability (sidewalk snow and ice claims are a Philadelphia staple). Ordinance-and-law coverage and realistic valuations are non-negotiable here. PA requires workers' comp from the first employee.
Coverage Philadelphia congregations put together
Most Philadelphia organizations combine property, general liability, workers' comp, abuse & molestation, D&O, and cyber coverage into one package. We compare specialist church carriers side-by-side and deliver quotes within one business day.