You recently contacted our office regarding Church Mutual's position on the usage of church buildings and church vehicles.
When a group that is not church sponsored uses the church property on a regular basis, we normally add a lessor's risk endorsement to the Multi-Peril policy. The liability charge for this endorsement is based on the amount of square footage being used. The medical payments coverage is then excluded for that group.
Activities other than church sponsroed do not fall within Church Mutual's Underwriting guidelines regarding the used of vehicles that they insure.
Loaning of vehicles or hauling for others may be considered if the borrower is also insured by Church Mutual. We would have to know specific details of the situation, and it would have to be reviewed by Church Mutual to determine whether or not a particular loaning situation is acceptable. Although coverage would still be in force if you loaned your vehicle without permission, continuation of that coverage could be jeopardized.
