General Liability: This common coverage for churches protects against various incidents, such as a worshiper's injury on a slippery floor.

Business Owners Policy (BOP): Combines liability coverage with protection for your church building and property.

Commercial Auto Offers coverage for both physical damage and liability for church vehicles, including vans, buses, and other vehicles used for charity events, errands, and passenger transport.

Effective risk management begins with evaluating your ministry's practices and operations. Here are nine essential things to think about when developing a risk management plan for your church in Little Rock:

1. Accident Prevention: Are your sidewalks well-lit, dry, and covered with non-slip material? Are walkways and doors unobstructed? Is the parking lot safe? Is playground equipment well-maintained?
   
   
2. Childcare: Do you use a paging system to ensure children are returned only to authorized parents? Do you conduct background checks on all workers and volunteers?
   
   
3. Fire Protection: Does your church have a fire alarm system and readily accessible fire extinguishers? Are your fire sprinklers maintained?
   
   
4. Transportation Safety: Are church-owned vehicles well-maintained? Do you use volunteer drivers? Do they have adequate insurance and training for driving large vans or buses?
   
   
5. Counseling: Does your church or individual counselors carry professional liability insurance? Do you have policies that cover counseling activities?
   
   
6. Finances/Payroll: Are dual signatures required for checks above a certain amount? Does your church file the appropriate employee tax forms, including W-2s and 1099s?
   
   
7. Volunteer Selection & Training: Does your church thoroughly screen volunteers working with children or driving church vehicles? Are volunteers supervised and trained in their responsibilities?
   
   
8. Security: Does your church have an electronic security system? Do you enforce a strict key monitoring system? Is there adequate lighting around doors, parking lots, and the rear of buildings?
   
   
9. Church Employees: Are hiring policies up-to-date? Is ongoing training provided? Do you have a sexual harassment policy in place?