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: 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. Directors and Officers (D&O) Insurance
D&O insurance covers your board members’ legal defense if they are sued for actions that they took on behalf of your church. These claims might include accusations of mismanagement, unfair hiring practices, and defamation and can come from current and former employees, vendors who work with your organization, donors, and even members of your congregation. Other policies don’t cover your board’s actions, and that leaves members exposed to lawsuits. That can make sitting on a board unattractive, so church leaders often purchase D&O to encourage people to join. However, policies also protect the church’s assets because they reduce the likelihood of board members turning around and suing the church should things go south.