Most church insurance protects the institution, not the individual Volunteers and staff can be sued personally or face criminal charges. Churches assume they're covered - but most are not.
| MYTH | THE TRUTH |
|---|---|
| Our church covers us | Most policies protect the institution, not individual team members |
| We'd never be sued for doing the right thing | Volunteers can and do face criminal charges or civil lawsuits even when acting lawfully. |
| We're not at risk | Over 200 deadly incidents happen every year. You are at risk right now |
