Church Insurance Montana

Church Property Insurance Expert

Alpine wildflowers, crystal clear lakes, snow-capped peaks of the Rocky Mountain, and breathtaking landscapes, Montana exudes nothing but small-town charm with unparalleled sceneries and refreshing culture.


Typically, the Treasure State serves as a radical escape for backcountry hikers and fly fishers. Today, this wild frontier of the west has been converted into a plum destination for those who want to run away from the hustle and bustle of the city life and be ensconced in a place full of colossal mountains and nature reserves.


One of the reasons why Montana is becoming well-known for its quality of sublime spirituality is because of how its people are deeply committed to serving in the house of God. The alpha and omega of all of Montana’s spiritual roots is the people’s dedication to serving their community and their rich evangelical history that dates back to the 1800s.

90% of the people in Montana are practicing Christians. This is why you’re bound to see a number of some of the most behemoth Gothic-revival churches that are spiritual healing centers for the majority of the people who visit Montana.


Being one of the most dedicated organizations in the Treasure State, the churches of Montana are always working endlessly to serve the community. These houses of worship make sure to provide a safe space to many vulnerable people that come to them looking for help. The church extends its services to a wide range of individuals, including the destitute, the disabled, marginalized communities, the homeless communities, and those who are dealing with substance abuse. The church also provides counseling sessions for those who are seeking emotional and mental support. They organize regular services like youth outreach programs, fund local and foreign evangelical missions, and rent out their facilities for grand-scale events like weddings, wakes, vigils, funerals, and baptisms.


Since there is no end to the number of services the church is providing for the people of Montana, every church leader carries a great responsibility on their shoulders to protect every single person participating in their organization remains safe and protected from potential liabilities and litigation claims. Liability and litigation claims can lead to hefty legal charges and lawsuits that can be hard to recover from financially.


Cataclysmic liabilities like floods, fires, vandalism, burglaries, and accidents are very common when there are so many activities happening on church grounds every single day. This is why every church leader must be equipped with a robust church insurance plan that will safeguard their ministry from any financial losses and keep them afloat no matter what the situation is.


But finding a reliable church insurance policy can be challenging. A sturdy church insurance policy must take every single aspect of your operation into account and provide several protective measures to save you from any liabilities. This is where our certified church insurance brokers come in.


Our well-experienced church insurance agents at Integrity Now Insurance Brokers are well aware of every different kind of professional and personal liabilities and litigations that can take place at a ministry. This is why we are committed to going the extra mile for our clients to help them streamline a robust insurance plan that will protect their organization in the face of any calamity or a hefty lawsuit. With our access to numerous esteemed church insurance agencies in Montana, your organization and the congregation will receive maximized protection with premium church insurance policies at the most competitive rates. Call us today and book a free consultation to get started.

Why Does Your Church in Montana Need a Specialized Church Insurance Policy?

Churches and non-profit organizations in Montana take part in numerous legal and personal activities regularly, which is why they need a specialized insurance plan to protect their operation against any pitfalls, financial strains, and litigation claims.


Church leaders take responsibility for more than just the church assets and the property. Churches and ministries are responsible for their employees, volunteers, clergymen, pastors, and the congregation. But there can be several different kinds of threats the church can face that could lead to permanent and temporary damage.  


Here are some reasons your ministry in Montana requires a reliable insurance plan.

Church Property Insurance Expert

Protecting Church Property and Assets

Churches receive a lot of charitable donations from various organizations. This is why churches always have vast facilities and assets on the premises.

A single case of burglary or theft can lead the church to bankruptcy and a financial loss that can be hard to overcome. In 2019, there were a total of 27,768 property crimes reported in Montana.

Other factors that can damage church property and assets are destructive events of flooding, fires, and storms. Unfortunately, Montana has seen some of the most spatially large floods that lead to significant destruction and damage. Apart from that, there were a total of 59 wildfires in Montana in 2021.

These destructive events can lead to irreparable structural damage to the church and expose hazardous materials like oxides, asbestos, and dioxides.

This is why a church insurance policy is necessary for any church leader’s risk assessment plan that will provide ample coverage for rebuilding costs and reimburse your church for any damage to church-owned structures and assets.

Protecting the Church Community

Since church leaders are usually relied on for divine guidance and emotional or spiritual support, church leaders should prioritize the safety of their community and any volunteers that help them conduct their operation.

Regular events like Bible study, missionary school fairs, band practice, and community sermons are prone to accidents during which people can easily get hurt and hold the church responsible for their damages.

This is why every ministry in Montana must invest in a sturdy church accident insurance plan which covers the medical and rehabilitation costs of anyone who gets harmed during a religious service.

Insuring Church’s Liability

Because of the number of large-scale activities happening every single day at church, these organizations are always at the risk of accidents that can lead to people sustaining bodily injuries.

This is why church leaders must ensure their grounds are well-maintained and there isn’t any broken furniture or slippery surfaces that can cause injuries to people taking part in church activities.

Anyone who gets injured on church grounds can sue the church for a personal injury lawsuit which can cost thousands of dollars. But with a liability insurance policy, your church will be safeguarded against any legal fees or lawsuits from liability claims.

Ensuring the Protection of Ministry Leaders

When church board leaders and ministry members make financial and administrative decisions, they can be held personally responsible for damages that can take place due to their slightest negligence.

Liability claims that happen due to mismanagement of financial records, failure to perform a transaction that safe-keeps the church’s tax-exempt status, discrimination, and using charity funds in a manner that is against the donor’s wishes are fairly common for ministries in Montana.

There are many legal risks surrounding these decisions. This is why every church leader must purchase a comprehensive Directors and Officers (D-&-O) insurance policy that will protect their board members from liability claims.

Different Types of Coverage Policies Available for Churches in Montana

Church Property Insurance Expert

A comprehensive church insurance policy is a must-have for every church in Montana, so they never have to face any liability claims or excessive lawsuits. Our insurance agency’s independent insurance brokers are well-experienced in the field of insurance and have extensive knowledge about the kind of coverage policies every church leader should include in their risk management plan.


Even if your church already has a church insurance policy that covers all the bases, it’s still necessary for every church to add additional endorsements to your insurance plan that will protect your ministry from a 36-degree viewpoint.

Whether your church is just a start-up or a well-established organization, a single accident can bankrupt the church, which becomes a huge financial strain depriving the people of Montana of the spiritual healing and emotional support that they deserve.


Here are some different types of church insurance plans that you should consider purchasing for your ministry in Montana.

General Liability Insurance

General liability insurance coverage, as its name suggests, is a ‘general’ insurance policy that provides coverage for a broad range of vulnerabilities. This insurance policy protects ministries from two common liability claims: claims of property damage and bodily injuries from customers and employees. To give you an idea, the average cost of a slip and fall claim settlement can range from $10,000 to $50,000. But the general liability policy will minimize the risks of lawsuits and provide ample coverage for any attorney fees and legal fees.

This ministry insurance policy will also pay for any reputational harm and slander against your ministry, which is typical for non-profit organizations that are operating on a big level.

Worker’s Compensation Insurance

The worker’s compensation insurance plan is mandated in Montana, and it is the lawful duty of every church leader to protect their employees with an adequate coverage plan. This insurance plan will provide coverage for any diagnosis, medical treatment, and rehabilitation bills if an employee sustains work-related injuries.

Commercial Auto Insurance

If your church offers transportation services to elderly church members, students, visitors, or clergymen, it should be equipped with auto liability coverage. This coverage will also protect private vehicles that are used for church activities.

Employee Theft Insurance

Unfortunately, every non-profit or religious organization has to face malpractices like employee dishonesty and theft. Employee theft insurance is a policy that will provide coverage against any losses from theft, fraud, or embezzlement by bonded ministry employees.

Fire Insurance

Churches are vulnerable to fire accidents mostly because of the liberal use of candles during religious ceremonies. With a fire insurance policy, your church will be reimbursed for any structural damages or injuries caused by a fire.

Umbrella Insurance Coverage

The umbrella coverage policy is another layer of protection that you can add to the general liability coverage plan. This insurance policy will provide your ministry with extra coverage in the case of any liability claim that can lead to your base insurance plan reaching its limit.

For example, if your church is being sued for $400,000, and the general liability insurance only covers the $300,000, the umbrella insurance policy will cover the shortfall of $100,000.

Another reason sophisticated insurance agents recommend getting this policy is because of the added benefits like coverage for wrongful prosecution or eviction, false arrests or imprisonment, libel, slander, reputational harm, and invasion of privacy.

Abuse and Molestation Insurance Coverage

Although churches are supposed to be a safe space for anyone, cases of sexual misconduct by any staff members, pastors, or visitors are not uncommon in Montana. This is why every church should get this insurance plan that will protect church leaders and pastors from alleged or actual claims of sexual misconduct.

Employee Practices Liability Insurance

The EPLI is one of the most popular insurance policies that offer coverage for the situations when a church employee sues the church for wrongful termination, harassment, discrimination, retaliation, or slander.

With this insurance policy, your church will be reimbursed for any judgment and settlement expenses for defending your organization from such lawsuits.

Equipment Breakdown Insurance

Several churches in Montana have outdated electrical and computer systems that can easily break down due to flooding, storms, or accidents. The repair and replacement costs of this equipment can be astronomical.

This is why having an equipment insurance policy is a must-have for every church, so they never have to face the financial trouble of paying for equipment damage.

What Makes Integrity Now Insurance Brokers the Top Choice for Ministries in Montana?

Finding a reliable and comprehensive church insurance policy can be an overwhelming and lengthy process. This is why our certified church insurance agents are offering the most relevant coverage policies for your ministry in Montana. At Integrity Now Insurance Brokers, we prioritize your safety and protection at every level.


Our unparalleled customized care is what makes us the top choice for every church leader in Montana. Our insurance agents are well-versed with the dynamics and the complexities of the industry and can walk you step by step through the process of streamlining an insurance policy that is best suited to your needs.

Church Property Insurance Expert

Get in touch with us today, and our representative will discuss the budget, existing risk management policies, and details about your church operation to suggest optimized coverage plans that will provide you with ample protection.


We partner with premier church insurance agencies in Montana that were carefully selected for their past stellar records and comprehensive insurance plans. You can rely on us to get you optimized insurance policies that are within your budget.


Don’t forget to check out our blog to gain more insight into the insurance world, understand complex industry jargon, learn about your rights, and other nifty tips and tricks!

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