Church Insurance Brokers—New Mexico

Church Property Insurance Expert

Ensconced in a range of inky-blue mountains with an endless stretch of the desert, the hauntingly beautiful state of New Mexico is the epicenter of spirituality. The phantasmagoric skies, rich culture, inimitable art, and almost-mythical eccentricity all serve a collective role in hypnotizing every person that comes to visit.


Apart from their mountains peppered with Aspen trees, distinctive mesas, and strings of Chile-ristras hung on wooden doors, the people of New Mexico are dedicated servants in the house of God.


74% of the total population of New Mexico is a practicing Christian. Their evangelical history dates back to 1598, when European architects erected the first fortress churches in the heartland of Mexico.

Today, just the city of Santa Fe or Holy Faith alone has more than forty Christian churches and dozens of spirituality centers that reflect the state’s devotion to God and serving their community.


These behemoth Baroque churches in New Mexico are home to various communities seeking safe refuge. These houses of God run several missionary campaigns, spiritual activities, religious services, sermons, and prayers, to heal people’s minds, bodies, and souls.



Churches also rent out their facilities for large-scale events like weddings, funerals, wakes, baptisms, christenings, and vigils, and even organize national and international missionary trips.

Due to so many events and activities taking place at the church, every church leader must consider taking every precautionary step required to ensure their congregation and church members remain safe whenever there is a cataclysmic event. The church can be vulnerable to several different kinds of liabilities like storms, floods, burglaries, vandalism, break-ins, fires, and accidents.

This is why our church insurance agents are at your service. At Integrity Now Insurance Agents, our insurance agents are well aware of every different kind of litigations and liabilities that can take place in ministries and organizations. We make sure to go the extra mile for our clients, help them streamline the most reliable insurance policies, and safeguard their operations. Your protection is our priority. With our deep knowledge of the industry’s dynamics and complexities, you are in safe hands.

We partner with numerous A-rated church insurance agencies in New Mexico that we meticulously selected based on their stellar records and comprehensive policies that maximize protection. To get tailored church insurance policies, reach out to us today to compare quotes and get personalized insurance plans at competitive rates.

Why Should Your Ministry in New Mexico Invest in a Specialized Church Insurance Plan?

Churches and non-profit organizations in New Mexico participate in several legal and personal activities daily. This is why every church must invest in a specialized church insurance plan to protect their church from any pitfalls and litigations that can quickly lead to bankruptcy.


Churches have vast facilities since they receive a lot of charitable donations from organizations and community members. They often acquire expensive furniture, office equipment, and educational props used regularly during their services. Even a catastrophic event like flooding, fire, or a break-in can have disastrous consequences. Church leaders often end up paying excessive out-of-pocket expenses to save their organization.

Church Property Insurance Expert

In this litigious world, churches are frequently sued by employees and volunteers for wrongful terminations, theft, vandalism, property damage, bodily injuries, structural damages, claims of sexual misconduct, etc.


Here are some reasons why churches in New Mexico require insurance.

To Protect Church Property

Unfortunately, New Mexico is not immune to cataclysmic weather conditions like storms, floods, and tornadoes. There are at least ten tornadoes per year in New Mexico that cause irreparable structural damage. There is frequent flooding in May and June, while abnormally dry and warm weather conditions also lead to destructive wildfires.

With a comprehensive church insurance plan, your ministry will be safeguarded in the face of such calamities, and your church will be reimbursed for any damage to church-owned structures and equipment.

To Protect Your Church Community

Since all the people participating in church events heavily rely on their church leaders to protect them, your church needs to invest in a reliable church insurance plan for your community member’s safety.

Events like church bake sales, parties for elementary school kids, band practice, missionary school fairs, and youth outreach programs occur daily at the church. This is why church leaders should consider purchasing accident insurance to cover the medical costs of anyone who gets harmed during a religious service.

To Insure Church Liability

Because of the overwhelming amount of grand-scale activities at the church every day, these organizations are always running the risk of people getting into accidents and sustaining injuries on church grounds.

As a church leader, you must ensure the church grounds are well-maintained and that there are no broken furniture or slippery surfaces where church members can injure themselves.

Anyone suffering a bodily injury on church premises can choose to sue the church for a personal injury lawsuit. But with a church liability insurance plan, your ministry will stay protected from paying any excessive legal fees.

To Protect Ministry Leaders

Ministry leaders usually make several important financial and administrative decisions on behalf of the church. But these church board members can be held personally responsible at any time for any damage due to their actions and decisions.

Potential liabilities that church board members are vulnerable to include mismanagement of financial records, discrimination, performing transactions that risk the ministry’s tax-exempt status, and using charity funds in a manner that is against the donor’s wishes.

To protect your ministry leaders, every church must invest in a Directors and Officers (D-&O) insurance that can protect their board members from all legal risks and lawsuits.

Streamline Reliable Insurance Policies that Align Perfectly with Your Ministry's Needs

Church Property Insurance Expert

At Integrity Now Insurance Brokers, we prioritize your ministry’s protection. Our church insurance agents are well-versed with the complex jargon of the insurance industry and have helped several esteemed businesses land comprehensive insurance plans that cover all the bases.


We devise proper church insurance policies and recommend additional endorsements that will safeguard your church from a 360-degree viewpoint. Our certified insurance agents will guide you line by line through different insurance plans and help you find the one that aligns perfectly with your operation.

Types of Church Liability Insurance Policies Available for Your Ministry in New Mexico

Churches in New Mexico aren’t just structures worth admiring but serve a higher purpose. These churches are places of spiritual growth, fellowship, finding solace, and safe refuge.


However, since many churches are running on a tight budget, they require specialized insurance policies to avoid any potential litigations and liabilities that can become a huge financial drain that is hard to overcome.


This is why every church leader needs to consider getting a coverage plan best suited to their needs and financial situation.


Here are some of the different types of church insurance plans our independent church insurance brokers can help you out with.

General Liability Insurance

The general liability insurance plan is a broad coverage insurance policy that would provide coverage for every aspect of your operation. This insurance plan will safeguard your ministry from two main liability claims: claims of property damage and bodily injuries from customers and employees.

Without purchasing this insurance plan, your ministry might face several legal risks and exorbitant lawsuits that can lead to reputational harm and defamation of your organization.

To give you an idea, the average cost of a slip and fall claim can easily reach up to $20,000. This is why you must ensure to add the general liability insurance plan to your risk management plan.

Worker's Compensation Insurance

Every church leader is mandated to invest in a sturdy worker’s compensation insurance plan regardless of the number of employees. This insurance will provide coverage for any medical treatment bills, lost wages, ongoing care bills, and even death benefits.

Commercial Auto Insurance

Since churches also offer transportation facilities for pastors, clergymen, minors, and senior citizens, it’s important to purchase commercial auto insurance to stay on the safe side.

This insurance policy will protect all church-owned vehicles and rental cars when accidental damages from collisions, vandalism, floods, fires, or break-ins.

Auto Liability Insurance

A comprehensive commercial auto insurance policy and non-owned coverage provide adequate protection from accidents resulting on the road or church premises in privately owned or church-owned vehicles. The auto policy must also cover private vehicles used for church activities.  

Employee Theft Insurance

Since no business in New Mexico is safe from employee dishonesty and theft, your church is also at risk of fraud that could lead to extra financial burdens.

This is why every church leader should consider signing up for employee theft insurance to protect their operation from embezzlement, fraud, or theft.

Umbrella Insurance Coverage

Anyone can be held liable at any given moment for the slightest negligence. That’s usually why experienced insurance agents recommend investing in an added layer of protection for the general liability insurance plan.

For example, if your church is facing a lawsuit of $2 million, the general liability insurance will only provide coverage for $1.5 million of it. But with the umbrella insurance policy, you will get extra coverage for the shortfall of $500,000.

This coverage plan is useful when your base insurance policy reaches its limit. This insurance plan will also pay for any attorney fees, medical bills, and structural damages from your premises to neighboring buildings.

Abuse and Molestation Insurance Coverage

This insurance policy protects church leaders and members from any alleged or actual claims of sexual misconduct. When defending your ministry members from sexual abuse and molestation charges, the legal fees reach up to six figures. You can always discuss the coverage your church requires with a church insurance agent to get adequate coverage.

Employee Practices Liability Insurance

The EPLI is a coverage policy that covers any claims from employees like wrongful termination, sexual harassment, inappropriate workplace conduct, retaliation, and discrimination.

With this insurance policy, your church will also stay safe from any claims of inappropriate workplace conduct like defamation, failure to promote, invasion of privacy, negligent evaluation, etc.

Pastoral Counseling Insurance Coverage

This comprehensive insurance policy covers any claims that emerge through pastoral guidance or counseling. Any of your pastors could be accused of harming their client’s mind or body. This is when this insurance policy would prove to be useful.

Fire Insurance

Wildfires are fairly common in New Mexico and can cause a lot of property damage that has astronomical repair costs. Churches are also prone to fire damage because of how liberally candles are burned during religious ceremonies.

This is why every church should be equipped with a robust fire insurance plan to safeguard their organization from liability claims and damages.

Why Partner with Church Insurance Agents at Integrity Now Insurance Brokers?

The owner of Integrity Now Insurance Broker isn’t just a well-experienced insurance agent but has been a well-reputed Young Pastor who has worked in the youth ministry for the past 19 years. This is why we prioritize every church’s protection and make sure you’re getting the most effective insurance plans within your budget.


Our primary goal is to provide your ministry with unprecedented customized care and safeguard your operation with tailored insurance policies. We use our credible experience and deep knowledge to devise reliable church insurance plans that will leave you stress-free and debt-free.

Church Property Insurance Expert

Ready to get specialized church insurance policies at competitive rates? Call us today and book a free consultation, and our highly-qualified church insurance agents will help you compare quotes and get personalized insurance policies.


Just provide us with your budget plans and details and leave the rest to us. Get in touch with us at any time to ask questions or convey your concerns regarding the church insurance claim process for our services in New Mexico.

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