Title: Business Insurance Coverages for Your Church
Headings: Business Insurance for Your Church
Business Insurance for Your Church
Churches Are No Longer Immune From Lawsuits
Sources of Coverage
Property Insurance
Liability Insurance
General Liability Coverage
Umbrella Liability
Errors & Omissions Coverage
Business Auto
Workers Compensation

Content: Business Insurance Coverages for Your Church
Business Insurance Your Business
Business Insurance for Your Church
Churches Are No Longer Immune From Lawsuits
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Gregory Boop wrote about business insurance for The Balance SMB. He is an experienced business trial lawyer and authorized OSHA trainer. Read The Balance's editorial policies
Gregory Boop
Updated June 26, 2019
While churches face many of the same hazards as for-profit businesses, they also have some unique risks. For one thing, a church may be held liable for violating canon law. Secondly, a church performs its work primarily through volunteers rather than paid employees. To protect their assets so they can continue to serve their mission, churches need to buy insurance. Sources of Coverage
Churches have several potential sources of insurance coverage. Very large churches may save money on insurance premiums through self-insurance. Small or mid-sized churches may purchase coverage from a standard property-casualty insurer or a specialty insurer like Church Mutual and Brotherhood Mutual. Both standard and specialty insurers have developed insurance programs for churches.