Mosque insurance is crafted to cover the unique risks associated with mosques, including religious artifacts, congregation activities, and facilities for worship and community gatherings. Here’s a detailed breakdown of essential coverage components:

1. Building and Property Insurance

• Purpose: Protects the mosque’s physical structure against damage from fire, theft, storm, vandalism, or other covered events.
• Coverage: Includes repair or replacement costs for the structure, including prayer halls, minarets, domes, ablution (wudu) areas, and community spaces.
• Considerations: Older or historically significant mosques may need specialized coverage for unique architectural features or to meet restoration requirements.

2. Contents and Religious Artifacts Insurance

• Purpose: Covers valuable items within the mosque, such as religious artifacts, carpets, Quranic texts, furniture, audio equipment, and community kitchen appliances.
• Coverage: Replacement or repair of items lost, stolen, or damaged, including prayer rugs, Qurans, and other sacred items.
• Special Note: Valuable religious items or antiques may require a specific valuation and customized coverage for their preservation and restoration.

3. Public Liability Insurance

• Purpose: Provides protection against claims if a visitor, worshipper, or member of the public is injured on mosque premises or if their property is damaged.
• Coverage: Medical expenses, compensation, and legal costs in case of injury or property damage claims.
• Recommended Limit: Usually ranges from $1 million to $5 million, depending on the size of the mosque, location, and number of visitors.

4. Employer’s Liability Insurance

• Purpose: Mandatory if the mosque has paid or volunteer staff, covering claims related to workplace injuries or illnesses.
• Coverage: Includes medical costs, compensation, and legal fees if employees or volunteers are injured while working in areas like the kitchen, during cleaning, or while performing maintenance.
• Legal Requirement: Often required by law if the mosque has employees or volunteer workers.

5. Business Interruption Insurance

• Purpose: Covers financial losses and additional costs if the mosque cannot operate due to a covered event, like fire or flood.
• Coverage: Lost donations, alternative venue costs, and ongoing expenses if the mosque temporarily relocates for repairs.
• Considerations: Some policies can include coverage for lost income from community events or charity drives held on mosque property.