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: The most common example may be congregants, but anyone who visits your church can be a third party, including delivery people and event attendees. General liability pays out if: A churchgoer trips on your broken stairs
Your candles start a fire in a rented worship space
A volunteer accidentally drops a council member’s laptop
Volunteers can present tricky coverage situations. For the most part, the accidents they cause are covered by your general liability, so your insurer pays costs if your volunteer causes someone else’s property damage or bodily injury. However, injuries your volunteer suffers aren’t. 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.