This class of business is usually not difficult to place and is underwritten by many standard insurers. However, certain markets specialize in providing coverage for churches. Values subject to a total loss may be high. Optional coverages available include crime, theft, directors and officers liability, and clergy professional liability. Sexual misconduct coverage for the organization because of alleged actions of clergy and certain other staff positions is often available but is subject to sub-limits. This explanation of insurance benefits is provided by Insurance Marketplace.