Religious Goods & Church Supply Store Insurance Coverage Checklist
The coverages a religious goods & church supply store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for religious goods and church supply stores. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers in-store injuries and on-site work at churches. | Core | |
| Products Liability | Covers claims over candles and wine you sold. | Core | |
| Commercial Property | Covers inventory, including flammable wax. | Core | |
| Workers' Compensation | Covers lifting pews and statues. | Core | |
| Completed Operations | Covers installed statues or furniture that later fall. | Prevalent | |
| Commercial Auto | Covers delivery vans hauling furniture. | Prevalent | |
| Business Income | Covers losses in the Christmas and Easter peaks. | Prevalent | |
| Liquor Liability | May be needed where wine sales are licensed. | Situational | |
| Bailee Coverage | Covers customer vestments and vessels in for repair. | Situational | |
| Inland Marine | Covers goods in transit and at conferences. | Situational |
The coverage gap most often missed
The gap most often missed by church supply stores is installation. Stores that anchor statues or set pews on church premises are doing contractor work, and a retail-store classification may not cover that work or an installed item that later falls. Report installation revenue separately and confirm completed-operations coverage applies.
Send us the checklist and we'll review your religious goods & church supply store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Religious Goods & Church Supply Store Insurance · Religious Goods & Church Supply Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a religious goods & church supply store business need?
The core coverages for a religious goods & church supply store business are General Liability, Products Liability, Commercial Property, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my religious goods & church supply store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.