Getting insurance for church

Insurance for churches: an expensive necessity, which I'd bet is sometimes difficult, sometimes avoided in smaller and newer churches. How do you know that you're getting the right coverage at the right price?

I saw a good article a little while back on Blue Avocado, a newish site about nonprofit management sponsored by nonprofit insurers, which answers some basic questions about the professions but -- better yet -- ask aloud some questions I would want answered if getting bids for insurance. Indeed, the article's questions would easily morph into a worksheet, which wouldn't be a bad idea either.

"What should boards know about insurance brokers?"