At Bergstrom Insurance Agency, we specialize in meeting the unique insurance needs of churches and other non-profit organizations.  Coverages of importance to churches include:

• Package policy

The basic Package policy provides coverage for all of the buildings that the church owns, as well as the contents of those buildings.  Commercial general liability coverage is also included in the basic Package policy.  Most churches should strongly consider adding optional coverages such as Systems/Equipment Breakdown, Pastoral Counseling Liability, Sexual Misconduct and Directors and Officers Liability.

• Commercial Auto policy

The policy provides coverage for any vehicles that the church owns.  Required coverages in the State of Michigan include Personal Injury Protection, Property Protection Insurance and Residual Liability Coverage.  Optional coverages include Uninsured Motorists, Underinsured Motorists, Limited Property Damage, Collision, Comprehensive, Towing and Loss of Use.

• Workers Compensation policy

This policy is required by Michigan law in most cases.  It provides medical and wage loss benefits for church employees who are injured while working.

• Umbrella Liability policy

This policy provides another layer of liability coverage over and above the limits provided by the Package, Commercial Auto and Workers Compensation policies.  Sometimes this coverage is provided by an endorsement to the Package policy instead of a standalone policy.

• Employee Benefits

We offer Blue Cross/Blue Shield of Michigan, Health Alliance Plan and other group health insurance plans.  Our agency also offers disability income, group life, and pension plans.