Insurance Claims for Tennessee Churches and Non-Profits

Helping charitable organizations function so they can help others in Nashville, Chattanooga, Memphis, and Jackson

Churches and nonprofits need their insurance proceeds fast and complete because the lives of many people depend on their successful operation. Delays in payment mean congregants will not be able to pray and worship. Most nonprofits exist to help others through charities or by providing social services for members of the community. Nonprofits without offices or business interruption proceeds will not be able to help people who are disabled or who rely on nonprofits for education or the arts. Charities may not be able to do research or provide essential services.

The Tennessee church and non-profit insurance attorneys at Gilbert Russell McWherter Scott Bobbitt PLC fight to get religious organizations and nonprofits the funds they contracted for so the community can be properly served. Our attorneys balance the commercial needs of these organizations with the community needs of the people they serve. We have over eighty years of combined experience helping all types of businesses get all the insurance proceeds they contracted for. We represent religious organizations, charities, nonprofits, individuals, and commercial enterprises in Nashville, Chattanooga, Memphis, Jackson, and across Tennessee.

Common insurance issues for churches and nonprofits

There are many types of nonprofits including educational, environmental, social action, animal rights, healthcare, and others that service a host of good causes. Though these nonprofits have to comply with certain laws, starting with tax laws, to qualify for nonprofit status, they are in many ways similar to commercial businesses. Churches have many of the same insurance issues too. Both churches and nonprofits need to protect themselves against the following types of risks:

  • Structural property damage. This includes damage to the church, synagogue, or other religious building. For nonprofits, it includes all of the offices where the nonprofit does business.
  • Personal property damage. Churches need to protect the books, religious artifacts, and clothing in the church, as well as any office supplies and personal property of the clergy and staff. Nonprofits have to insure against damage to equipment and material possessions that apply to their venture.
  • Business interruption loss – continuing expenses. Just as commercial ventures have to worry about business interruption loss, churches and nonprofits do also. While repairs are being made, buildings are being rebuilt, or new offices are being found, there are still continuing expenses that must be met. These include mortgages, loans for operating expenses, and salary for staff.
  • Business interruption loss – lost profits. Our Tennessee church and non-profit insurance lawyers understand the complexities of this issue. Churches and nonprofits, by IRS definition, are not in the business of making profits. So insurance companies may argue that there should be no profit proceeds. But having tax-exempt status does not necessarily mean a church or nonprofit cannot generate revenue. Nonprofits often seek donations and grants to fund research and provide services. Some nonprofits even sell merchandise to fund their operations. The Gilbert Firm works with experts to make sure churches and nonprofits get the insurance proceeds they deserve.
  • Cyber-insurance Churches and nonprofits are modern organizations. Churches have congregation lists, lists of donors who support them, vendors on the ready to help maintain the church, and other data on their hardware. Nonprofits can have mountains of data for record keeping, the people they help, the services they provide and the people who support them. The loss of this information can bring churches and nonprofits to a halt. Our Tennessee church and non-profit insurance attorneys work to get insurance proceeds for damaged hardware and software plus compensation for the data that was destroyed and must now be rebuilt.

Helping churches and nonprofits serve the community by making carriers pay full value for insured losses

The Gilbert Firm fights for any church or nonprofit that suffered harm that is covered by an insurance policy. We help residents of Nashville, Chattanooga, Memphis, and Jackson get prompt payment for their claims. When you pay your premiums, you deserve to have the insurance company uphold their end of the bargain. To review your case with an experienced Tennessee church and nonprofit insurance lawyer, please call 1.888.354.FIRM or complete our online contact form.