Title: Church Insurance: Cost, Coverage & Top Companies
Headings: Church Insurance: Cost, Coverage & Top Companies
Church Insurance: Cost, Coverage & Top Companies
Top Church Insurance Companies
CoverWallet
State Farm
Brotherhood Mutual
Church Mutual Insurance
Gateway Specialty Insurance
How Insurance for Churches Works
Most Common Types of Church Insurance
General Liability Insurance
Commercial Property Insurance
Pastoral Professional Liability Insurance
Directors and Officers (D&O) Insurance
Commercial Auto Insurance for Churches
Workers’ Compensation Insurance
Abuse & Molestation Insurance for Churches
Church Insurance Costs
Church Insurance Costs & Deductibles by Coverage Type
Who Needs Church Insurance
Church Insurance Frequently Asked Questions (FAQs)
Who pays for a volunteer’s injury?
Why does my board of directors need D&O insurance?
Does church insurance cover high-value artifacts?
Does church insurance cover fundraisers?
Bottom Line
About the Author
Virginia Hamill

Content: Some states let you add coverage for volunteers as a rider to workers’ compensation. Commercial Property Insurance
Commercial property insurance covers church-owned buildings and their contents, including furnishings, fixtures, and equipment. When these items are damaged in a covered event, property insurance pays the insured value, minus your deductible, so you can have the items repaired. Most commercial property insurance covers damage caused by: Fire
Vandalism
Theft
Hail
Windstorm
Burst pipes
Churches may have additional property exposures to consider like outdoor signs, valuable art, and landscaping. Commercial property insurance usually includes these, but you may want to put the appropriate value on them so you know you have sufficient coverage. Pastoral Professional Liability Insurance
Pastoral professional liability insurance is a type of professional liability coverage designed specifically for ordained clergy to cover accusations of negligence in pastoral care. Policies can include one-on-one and small group counseling or guidance given during a religious service. For example, you might need professional liability if: A couple claims your failure to provide spiritual guidance led to their divorce
A congregant says advice in your sermon caused them to make a bad investment
A member of a prayer group alleges your words caused emotional damage
Pastoral professional liability insurance covers these events by paying for your legal defense, including lawyer’s fees, court costs, and court-ordered awards or settlements.