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Church Insurance

Your house of worship is a holy place, but it is not immune from the ravages of fire, accident, vandalism, weather damage and personal liability. Minor mishaps can be costly and major incidents can literally threaten your organization’s existence, but we can help you.

Understanding the type of Insurance needed

Do you understand the type of insurance your church needs? Most people do not even realize that their church needs insurance. However, it is vital that you have the right coverage. Can you imagine what would happen if something detrimental were to occur? All it would take is a tree falling for the church roof to be severely damaged. All it would take would be a hurricane to blow through for there to be flooding damage. Insurance for churches is an absolute must. If you are new to the idea of the coverage, here is what you need to know to understand it.

Property Coverage

Extra Property Coverage, can automatically include lightening, wind, fire and hail, as well as many non-standard items such as:

  • Equipment Breakdown, including computers, boilers and electrical equipment.
  • Newly acquired or constructed property.
  • Personal effects and property of others.
  • Pastor’s personal property.
  • Ordinance or law.
  • Indirect Loss.

Other coverages available under the property coverage are:


Provides protection for money and security losses resulting from theft, employee dishonesty, and forgery and alteration.

Inland Marine

A broad type of insurance that covers valuable possessions that may be transported from one place to another.

General Liability Coverage

General Liability insurance covers the church’s legal liability resulting from injuries to people or damage to their property.

Liability options available:

Hired and Non-Owned Auto Liability: Provides excess liability and medical coverage for the church should legal liability arise out of the use of a non-owned or hired auto.

Directors, Officers and Trustees Liability: Provides coverage for wrongful acts of church directors, officers, trustees, business administrators and ministers.

Employment Practices Liability Employment practices liability Covers a church in areas relating to employment including discrimination, wrongful termination and sexual harassment.

Sexual Misconduct Liability: Provides coverage that protects a church from legal liability arising from acts of sexual misconduct by a staff member or volunteer.

Employee Benefits Liability: Provides coverage on negligent acts, errors or omissions arising out of the administration of employee benefits program.

The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance products. Please read your official policy for full details about coverages. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.