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Religious reading rooms hold media relating to a particular religion that the public can read, view, listen to, borrow and purchase. They generally hold books, magazines, newspapers and taped or recorded religious programming for commercial and personal use. Attendants who help customers locate literature and other forms of media usually staff religious reading rooms.

General Liability Insurance for Religious Reading Rooms – Premises liability risks for religious reading rooms include slips, trips, & falls and shelving collapse. Flooring should be clean and defect free. Furniture and book displays should be adequately spaced for walking. Furniture should be sturdy and in good condition with no sharp edges or protruding nails. Bookshelves should be properly secured and structurally sufficient.

Workers’ Compensation Insurance for Religious Reading Rooms – Employees of religious reading rooms may consist of librarians or attendants. Back injuries may occur from lifting heavy stacks of books. Employees should be trained to use proper lifting techniques. Other injuries include slips, trips, and falls. Maintaining a clean and clutter free environment can prevent such injuries.

Business Auto Insurance for Religious Reading Rooms – Business auto risks should be minimal for religious reading rooms. If employees are required to run an occasional errand, their MVRs should be verified for acceptability. Sufficient Personal Auto Liability coverage should also be required and should be verified at each policy expiration date.

Property Insurance for Religious Reading Rooms – Fire loads will consist of books, furniture, and bookshelves for religious reading rooms. The age of the building will impact fire risks. Buildings over 20 years of age should be updated with new wiring and electrical systems. The construction type of the building will also affect the risks. Fire risks will be reduced for buildings that are constructed of fire restive and masonry non-combustible materials.

Crime Insurance for Religious Reading Rooms – Inventory should be audited frequently to control the risk of theft at religious reading rooms. The use of surveillance cameras could also prevent theft.