Insurance for Churches & Religious Institutions

No matter the denomination or size, churches and religious organizations face unique risks and need proper coverage.

Your client's house of worship is a sacred place; however, accidents do happen. Worshippers, visitors, staff, and children are all subject to injuries, and property damage may occur to the physical structure. A Church & Religious Institution policy keeps clients safe to continue their work for their congregations and communities. 

hands in the air worshipping

Coverage to Consider for Churches

A typical insurance plan is not enough for this specialized market. Churches and religious institutions should consider the following to ensure they are protected properly:

  • General Liability: Covers property damage and bodily injury from third party claimants.
  • Property: Covers the church buildings from damage occurring from natural causes such as hail, or guests who cause damage.
  • Sexual Misconduct and Molestation: Protects against claims of sexual misconduct.
  • Worker's Compensation: Protects employees if they become sick or injured in an accident on the job. This will pay for medical costs and lost wages.