Best Insurance Companies for Churches and Religious Organizations: How to Select the Right Church Property Insurance Company

1. Liability Insurance for Churches

Church general liability insurance is a business insurance policy that protects church ministries from the financial costs of being sued. Church liability insurance policies offer coverage for potential liabilities such as injuries on church property, damage to church property, or allegations of discrimination or other activities.

2. Church Building Insurance Coverage

Church building insurance typically includes two types of coverage: Building Coverage which provides insurance protection to church buildings, stained glass, pews, pipe organs, and other covered property attached to the building. Contents Coverage helps protect all things not connected to the building, such as computers, musical instruments and audio-visual equipment, chairs, and office equipment.

3. Workers’ Compensation Insurance for Religious Groups

Churches need workers’ compensation insurance because it can help cover the costs associated with an employee’s injury. Without this coverage, churches could be liable for medical expenses and lost wages if one of their employees is injured.

4. Directors’ and Officers’ Insurance

Director and officer insurance (D&O) is a type of liability insurance that provides coverage for individuals who serve on a board of directors. It protects the board members from lawsuits that may arise from their actions while governing an organization.

5. Pastoral Professional Liability Coverage

Pastoral professional liability coverage protects against claims made by third parties due to the services provided by pastors or other church staff members who provide spiritual counseling on behalf of the synagogue.

6. Abuse and Molestation Insurance for Religious Organizations

Sexual misconduct liability insurance for houses of worship is critical to protecting the interests of the religious organization, its members, and its congregants. This type of insurance provides coverage for claims involving the abuse and molestation of minors or vulnerable older adults and can help protect against financial losses due to legal liability.

7. Employment Practice Liability

Employment practice liability coverage (EPLI) is a type of insurance that protects churches from legal costs associated with employee lawsuits. It provides coverage for claims such as harassment, discrimination, wrongful termination, and other violations of employee rights.

8. Religious Belief Insurance Coverage

The best insurance companies for churches offer religious expression insurance coverage. This includes coverage for a range of biblically-based beliefs an individual states caused harm to them.

9. Church Auto Insurance

Church auto insurance typically provides church-owned vehicles, hired auto services, and liability coverage for staff and volunteer drivers. This includes coverage for 12 and 15-passenger vans insurance, church bus insurance, private passenger vehicles, commercial trucks, light service trucks, and covered and utility trailers.

10. Umbrella Liability Coverage

Umbrella liability coverage, also known as “excess liability,” is additional insurance that provides an extra layer of protection above the limits of a general liability policy. It pays for claims that exceed the limits of other policies, such as auto, workers’ comp, and liability insurance.