It seems to me that any public or private building, church or otherwise, would need to have an insurance policy in place to protect the owners in case of any type of accident, from slip and fall, to workers getting injured on the job. All of your bills and associated expenses should be paid out by the insurance company, at least to their limit of liability. If the building has a mortgage on it, I'm pretty sure the lender would absolutely require various insurance policies in place to protect their equity. You need to look into this ASAP!