You may not think of your church or house of worship as a business entity. Why would you? You help worshipers get in touch with their spirituality. You counsel the downtrodden and visit the sick. Your church nursery is filled with precious children who may grow up to join the church as adults. You work with people. Why would you need a special type of insurance?
The fact of the matter is that churches often function as much more than places of worship. Your church may also be a day care, preschool, meeting location, counseling center, and more. Even though your intent is to take care of your community, you still have the same worries and concerns as any other business: damage, theft, destruction, and, unfortunately, potential lawsuits.