Does Your Church Need Insurance Coverage?
A church—the place of worship for millions of people—faces unique challenges when it comes to insurance coverage. The wide range of necessary options can be daunting. In this article, we break down some of the different coverages you should consider for your organization.
After all—a religious organization (a church, synagogue, mosque, etc.) like any non-profit or a business, needs to put the proper insurance coverage in place to protect the property, leadership, and the members of the church.
In this guide:
- The different risks churches face
- Coverages churches should consider
- How to get coverage for your church
Insurance Coverages Churches Should Consider
There are a few coverages you should consider including in your policy:
General liability will typically protect the church in the event of a claim of a third-person injury or damages to someone’s personal property. It would also cover contractual liability for services provided such as room or hall rental, or other service functions performed by clergy or staff.
This protects pastors and their church if they are sued for malpractice, pastoral negligence, or associated with incidences that arise from pastoral counseling. It can also be referred to as Pastoral Professional Liability or Clergy Counseling Professional Liability
Each state has different requirements regarding workers’ compensation coverage. However, any staff working at the church should be covered to protect them in case of injury or illness were they to occur.
Equipment Breakdown Insurance
Depending on the age of the church, some still use boilers to heat their buildings, but most now use furnaces. Equipment breakdown covers expenses related to heating and cooling. Equipment breakdown also covers damage to computers and phones due to electrical surges. For a full breakdown of everything covered, check out our comprehensive guide to equipment breakdown insurance.
Property insurance covers the buildings and equipment as well as other contents and some personal property. It must be noted that most policies cover vandalism (willful damage to a property by a vandal) but not damage caused in the event of a theft, so additional coverage must be considered. The details can be tricky to navigate, so be sure to talk with your insurance agent about what is or isn’t covered.
Theft and Vandalism
Also referred to as ‘Vandalism and Malicious Mischief Insurance’ this is a common coverage for buildings that are unoccupied for large spans of time (such as churches or schools). Adding this coverage protects your property in case of damage from theft.
Directors and Officers Coverage
Church Directors & Officers liability provides protection for leadership in the church—including board members or deacons in the event the church or the individuals on the board are sued. It protects the assets of paid or unpaid staff.
Plate Glass Insurance
Many historical churches have beautiful stained glass windows. If large glass windows are broken or damaged, you must make sure they’ve been appraised properly so the right monetary coverage is written into your policy.
What Does Church Insurance Cost?
The cost of your policy will vary depending on the type of coverage that you’re considering. Some factors that can affect cost include:
- Location of the church (state, neighborhood, etc.)
- Whether or not the building contains stained glass or antiques
- Number of employees and volunteers
- The size and age of the property
There are other variables to consider, which you’ll want to talk over with your agent.
How to Get Coverage for Your Church
We recommend working with a licensed insurance professional in determining what coverage options and liability limits need to be in place. Ask whether a business owner’s package is available and how the coverages discussed above can be included. You can reach out to one of our professionals by filling out the quote form above.
YES (Bodily Injury or Property Damage)
YES (Building and/or Contents)
YES (Pay in Full OR Payment Plans)
Low Down Payments:
YES (Flexible Payment Options)