Understanding Unoccupied Buildings and Insurance Coverage Options
Posted April 11, 2025
In this presentation, Michigan Catholic Conference’s Risk Management and Claims Services Department provides an overview of insurance considerations for unoccupied and underutilized church buildings. It explains the definition of an unoccupied building and outlines three main coverage options. Real-world examples are shown to help illustrate how claims are settled under each option. The goal is to equip parish leaders with the knowledge to make informed decisions that balance coverage needs with budget constraints.