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MOSQUE ISLAMIC INSURANCE- TAKAFUL

MOSQUE ISLAMIC INSURANCE- TAKAFUL

WHAT IS AN ISLAMIC INSURANCE FOR MOSQUE ?

A Mosque Islamic Insurance—Takaful is a Shariah-compliant, cooperative way for mosques and Islamic centres to protect people, property, and activities.

A Takaful for mosque coverage is tailored to mosque life; property protection can include the building (domes, minarets, prayer halls), fixtures and carpets, Qur’ans and libraries, office and AV equipment, plus theft, vandalism, fire, flood, and other insured perils.

The halal insurance for Mosque cover can protect donations kept on site or in transit; liability covers typically include public liability for worshippers and visitors, employers’ liability for staff, volunteer personal accident, products/food liability for kitchens or food distribution, event liability for Eid prayers or fairs, trustees’/management liability, professional indemnity (e.g., education or counseling), safeguarding liability for madrasa activities, and cyber cover for donor data and online giving.

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In case an Islamic insurance is not available can a mosque opt for a conventional cover ?

Yes—many contemporary scholars permit a mosque to use conventional insurance when no Sharia-compliant (takaful) option is available and protection is legally or practically necessary (e.g., public liability, employers’ liability, building cover); this rests on the principles of ḍarūra (necessity) or ḥāja ‘āmma (strong general need): preventing serious risk to people, property, and the mosque’s continuity takes precedence when there’s no viable halal alternative.

How to keep it as Sharia-sensitive as possible:

    1. Buy only what’s needed (minimum limits to satisfy law, landlord, lender, or real risk exposure).

    1. Avoid premium financing or instalment plans that charge interest; prefer single payment or 0% instalments.

    1. Decline add-ons that are speculative or unnecessary.

    1. Choose policies with clear wording and fair claims practices; if there’s any “late fee,” try to structure payment to avoid it.

Governance and intent matter: Document that you searched for takaful and found none; record the legal/operational reasons cover is required; and note a standing intent to switch to a suitable takaful product as soon as it becomes available.

Which insurance companies provide with Mosque insurance in the UK, USA, Australia, Canada and Ireland ?

Here are companies that provide Mosque / house-of-worship insurance, grouped by country (mix of insurers, MGAs and specialist brokers). Always confirm scope in your city/state.

United Kingdom

United States

    • [World Insurance Associates — Religious Organization Insurance] (broker). worldinsurance.com

Australia

Canada

    • [Oracle RMS — Church, Temple, Synagogue & Mosque Insurance] (broker). Oracle RMS

    • [Zensurance — Church / House of Worship Insurance] (broker; includes mosques). zensurance.com

Ireland

    • [Howden Ireland — Church & Cathedrals / Places of Worship] (broker). Howden Insurance

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