Insurance for Churches & Religious Organizations

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Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Required coverage to operate


General Liability + Directors & Officers (D&O)

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All Basic plan benefits and:

  • Theft of trade secrets
  • Misrepresentation
  • Wrongful acts
  • Criminal proceedings

PRO

Get protected against employment-related issues


GL + D&O + Commercial Property

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All Standard plan benefits and:

  • Natural disasters
  • Equipment breakdown
  • Revenue loss
  • Construction costs

CUSTOM

When you have specific requirements


Including Commercial Property, Hired & Non-Owned Auto, etc.

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Frequently Asked Questions

Why do Religious Organizations & Churches need insurance?

Even religious organizations or churche have their own set of risks. Having the right insurance for your religious organization covers your members and your house of worship for the many risks it could face. It protects your organization from all possible risks including your volunteers, your house of worship, your ministers, and other members of the organization.

What risks do Religious Organizations and Churches face?

Below are some common risks that religious organizations and churches can face:

  • A churchgoer trips over a ladder while leaving your house of worship because you weren't able to put away your ladders after the snow. This causes the churchgoer to file charges against your religious organization.
  • It is not uncommon for a place of worship to get robbed. On the contrary, it is often a thief's favorite place to rob as it is not usually protected.
  • Cash embezzlement of religious organizations is also common, as church organizers think that this is the last place people will look when experiencing such a crime. But it does happen and you need to make sure your religious organization can handle such a risk.

How much does Church Insurance cost?

There is no fixed amount for the cost of church insurance as the price normally depends on the size of your organization, the number of employees your organization has, the coverage required, and many other factors. Without taking these into account, below is the average cost of insurance for religious organizations:

  • General Liability insurance costs $500 in average annual premiums.
  • Commercial Property insurance costs $600 in average annual premiums.
  • Hired & Non-Owned Auto insurance costs $500 in average annual premiums.

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