Many insurance companies write policies which are specifically tailored to the needs of the individual or business purchasing the policy. This is true of companies who provide insurance to churches. Often, an insurance policy designed to protect a church has a number of different sections and areas of coverage. This is essential due to the unique circumstances of a church atmosphere. Often churches operate a daycare facility or a school. Churches can also offer bus and other transportation services which leaves it subject to multiple areas of liability. As well as coverage regarding the specific services a church offers, it is also common for a church’s insurance policy to offer general commercial liability coverage and coverage regarding sexual misconduct allegations.