• The Special Form covers risks of direct physical loss, with certain policy exclusions.
• The Standard Form names the specific perils for which coverage is provided--fire, lightning, windstorm, hail, explosion, smoke, aircraft, vehicles, riot, civil commotion, vandalism, or malicious mischief, sprinkler leakage, sonic boom and glass breakage.

• Money and securities ($2,500)*
• Employee dishonesty ($5,000)*
• Newly acquired buildings (up to $250,000 for 90 days)
• Personal property while temporarily away from the premises (up to $15,000 including theft)
• Property in transit (up to $15,000)
• Accounts receivable (up to $5,000)
• Valuable papers (up to $5,000)
• Extra expenses to resume normal operations (up to $35,000)
• Outdoor trees, plants, shrubs, and lawns (up to $5,000)*
• Consequential loss (such as food spoilage) from power interruption and mechanical failure (up to $1,000)
• Arson reward ($7,500)
• Fire extinguisher recharge
• Sewer and drain back-up ($1,000)
• Pollutant clean-up and removal ($10,000)

*Can be raised for a slight additional premium

What liabilities are covered?
Alfa's policy provides coverage for Bodily Injury, Property Damage and Personal Injury losses. Personal Injury provides coverage for some offenses that might ordinarily be overlooked in an insurance policy, such as libel, slander, invasion of privacy, wrongful eviction, malicious prosecution, etc. Additional liability coverages included at no extra charge are:

• Property Damage legal liability for non-owned building you occupy (up to $300,000)
• Liability for non-owned autos
• Liability for non-owned boats
• Products and completed operations liability

Medical Payments
Coverage is included to pay medical expenses arising from church activities including medical expenses for athletic participants, volunteer workers and students.

What optional coverages are offered?
Many optional coverages are also available at a slight additional premium to tailor the policy to meet your church's specifications. Such coverages include loss of tuition fees, clergy professional liability, sexual misconduct liability, cemetery professional liability, teacher's liability for corporal punishment, hired car coverage, fine arts coverage and several others. Alfa can also separate policies to round out your church insurance program, such as Automobile or Umbrella.

Commercial Umbrella Policy (Optional)
Alfa's Commercial Umbrella Policy is a separate policy that provides additional insurance to cover large or unexpected losses. This policy is designed to pay for liability losses that could seriously affect your ability to continue under normal circumstances. The purpose of a Commercial Umbrella is to supplement the coverages found in your Church, Auto and Employers Liability Policies (if all of these exposures exist). The minimum coverage amount available is $1,000,000.For more information on the Commercial Umbrella Policy, contact your Alfa agent.