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: You identify your organization’s risks and pick policies designed to cover them. Most organizations start with a business owner’s policy (BOP) that covers both third-party lawsuits and damage to church property and usually costs churches $1,200 to $2,600 per year. While BOPs provide important coverage for churches, they aren’t the only type of insurance that religious organizations need. The policies your church or temple needs depends largely on the exposures you have. An exposure is the potential your organization has for loss, and that often comes from your operations. For example, let’s say your clergy offer spiritual counseling. That may be an important part of your ministry, but it also may open your organization up to negligence claims. To protect your church’s assets, you can get professional liability insurance to cover your defense costs. Most Common Types of Church Insurance
Type of Insurance
What It Covers
General liability insurance
Third-party claims of bodily harm and property damage
Commercial property insurance
Insured value of business-owned property
Pastoral professional liability insurance
Allegations of professional negligence
Directors and officers insurance
Board members’ legal defense when they are sued for actions they take for your organization
Commercial auto insurance
Costs associated with accidents in church-owned vehicles
Workers’ compensation insurance
Employees’ lost wages and medical bills for work-related accidents and illnesses
Abuse and molestation insurance
Accusations of sexual misconduct in a civil lawsuit
General Liability Insurance
General liability insurance pays for third-party claims of property damage and physical injury. Third parties are people who don’t work for your organization.