Personal Property of Others

Personal property of others - clergy and non-clergy is a coverage that will protect valuable personal items while they are being stored on church property and David Bear breaks down the details in this episode.

Below is a transcript of the episode, modified for your reading pleasure. Check the show notes at the bottom of this post for more information on the topics discussed in the episode.

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David BEAR:  My name is David Bear and I'm an Account Executive with CLH Insurance serving the Kansas City market.


Grant FINLEY: Welcome to Your Insurance Connection podcast.  I’m Grant Finley.  On today's episode, David Bear discusses a coverage specific to churches which protects the personal property of the clergy members and non-clergy members.  The name of that policy?  Personal property of others.


BEAR: When we meet with pastors and church leaders, one of the topics that comes up often is personal property of the clergy and others - personal property of others. 


FINLEY: So, what type of property are we protecting exactly?


BEAR: Over the years the pastors build their library, collect artifacts as well as other important items and the value of these items add up.  And the pastors and the volunteers, they want to know that their items are covered if there's damage done to them while being used for the ministry. 


FINLEY: I asked David whether or not personal property of this nature is typically covered under a homeowners policy.


BEAR: There is coverage on your homeowners policy for this, however if the property is at the church,  your church policy becomes primary coverage for that.  So, Brotherhood would come in after your homeowners policy.  It would be excess if it's at home, but if it's at the church, Brotherhood becomes primary coverage for your property.


FINLEY: It makes sense that the clergy might use personal resources to benefit the church and the church, in turn, would provide some additional protection in the event those items are damaged or stolen.  But how does it work for non-clergy members?


BEAR: Let’s say – I’ve been a worship leader for a while, so if my guitar is at church, I leave my guitar at church, and the church does not have this coverage and my guitar is stolen, if I don’t have it scheduled on my homeowners policy under inland marine, technically I am without coverage on my guitar and it comes out of my pocket.  So this coverage is very important to have for churches.


FINLEY: Is it safe to assume this coverage protects all kinds of personal property or does it only apply to certain items?


BEAR: So, this would be a blanket for any item. You have people constantly bringing different instruments in and out of the building, the pastor's bringing his books in and out, laptop in and out.  So this would be more of a blanket coverage.


FINLEY: What steps can a church take to make sure this protection does what the church needs?


BEAR: One of the important things with the personal property is inventory.  It's very important that we know the amount of personal property that is kept at the church.  Especially for pastors, I know this can vary with personal property of others, like we talked about - musicians, instruments are going in and out all the time.  But when it comes to the pastors, the clergy, they're typically storing their library, laptops, things like that at the church, so it's very important to do inventory and find out the value of the items so that we know that on the package, on the policy, we have as close as possible the value, if anything were to happen, we can replace everything that he keeps there.


FINLEY: How much should a church expect to pay for this type of coverage?


BEAR: Just depends on the value of the items.  But it's a very small amount.  A very insignificant amount.  When you're talking a guitar may cost anywhere from on average $1,000 to $2,000, $2,5000 -  you're talking this coverage is less than $100 a year.


FINLEY: Can a church set their own parameters in terms of how much value they want to protect?


BEAR: Yes.  So, on the the starting base of a typical package would be $2,500 for personal property of others and $10,000 for personal property of others - clergy.  We are able to increase those values according to your needs - the church's needs, I should say.


FINLEY: Personal property of others – clergy and non clergy. When your doors are open to everyone, it doesn’t hurt to add another layer of protection to your congregation and business operations.  If you have any questions that weren’t discussed in the episode, feel free to contact David directly to find out more.  And If you’re interested in adding personal property of others protection to your ministry, and live in Missouri, Kansas or Illinois, log on to – or – contact us directly at 636.391.0700 to get started.  Thanks for listening.


Your Insurance Connection podcast can be heard on iTunes and Stitcher or by visiting If you like what you’ve heard you can support this podcast by rating and/or sharing it on your social platforms. CLH Insurance is a “Trusted Choice”, independent agency servicing Missouri, Kansas and Illinois. For more information on CLH Insurance, visit or call 636.391.0700 to speak with an agent. Until we connect again, thanks for listening. 



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Show Notes - Where you can learn more about the people and ideas discussed in this episode. 

Brotherhood Mutual 


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