Church Insurance Brokers
Why Churches Trust Integrity Now as Their Insurance Broker
Our founder, Kevin Edwards, has been a Youth Pastor for over 20 years — that ministry background shapes how we work as church insurance brokers. Integrity Now Insurance Brokers is an independent agency, which means we work for your church, not for an insurance company.
Because we aren’t locked into a single carrier, we can compare church insurance companies such as GuideOne, Church Mutual, and Philadelphia Insurance side by side — something a captive agent can’t do. We regularly talk with churches that bought a policy from a carrier that doesn’t specialize in ministries and ended up with coverage gaps they didn’t know about until they had a claim.
We work with churches nationwide, from small congregations to multi-campus ministries. Carrier availability varies by state, so we match you with carriers that write churches where you’re located.
How Church Insurance Brokers Help Your Ministry
A church insurance broker represents your church in the insurance market. Instead of selling one company’s policy, a broker gathers your information once, presents it to several carriers, and helps you compare the coverage, limits, and price each one offers.
| Independent broker | Captive agent | Buying direct | |
|---|---|---|---|
| Carriers you can compare | Several | One | One |
| Who they represent | Your church | Their company | The company |
| Help with claims and renewals | Yes — and can re-shop at renewal | Yes, within one company | Varies |
We’re also active in ministry ourselves, so we understand how churches actually operate — youth trips, volunteers, counseling, vans, and facility rentals included. If your organization isn’t a church, see our page on insurance for religious organizations.
How the process works
- Review: We look at your current policy and ask about your buildings, staff, vehicles, and ministries.
- Identify gaps: We point out missing coverages or limits that look too low for your church’s size and activities.
- Shop carriers: We submit your information to church insurance companies that write in your state.
- Compare: We walk you through the options side by side, including what each policy does and doesn’t cover.
- Bind and service: Once you choose, we put coverage in place and stay with you for claims, changes, and renewals.
What to have ready
- Your current policy declarations pages
- Building addresses, square footage, and estimated replacement values
- Number of employees and annual payroll
- Church-owned vehicles and who drives them
- Five years of claims history (loss runs), if available
No two churches are insured exactly the same way. A congregation of 50 needs the same core coverages as one of 500 — but the larger church will typically need higher limits and more specialized coverage for staff, schools, and vehicles. Quote turnaround also varies with your location and the size and complexity of your buildings.
Looking for a Church Mutual Agent?
Many churches search for a Church Mutual agent when they need coverage. Church Mutual is one of the carriers we work with, so as an independent broker we can quote Church Mutual where available — and show you how its coverage and price compare with other church insurance companies at the same time.
That way you aren’t limited to a single quote, and you can choose the policy that fits your ministry best. Carrier availability varies by state.
What Coverages Do Church Insurance Brokers Recommend?
A good church insurance broker will recommend a carrier that is financially strong and experienced with ministries, so it will be there when you have a loss. You can check any carrier’s financial strength rating with AM Best before you buy.
Most churches need a core package of church property insurance, general liability insurance, and directors and officers coverage, plus the coverages below depending on your ministry.
General Liability Insurance
General liability is often thought of as your “slip, trip, and fall” coverage. If someone is injured or their property is damaged because of your church’s operations, it helps pay for the claim and your legal defense. A church package should also address pastoral counseling liability, directors and officers, abuse and molestation, employment practices liability, crime, and religious expression coverage.
Church Property Insurance
If your church owns its building, property insurance covers the building and its contents. If you rent your space, you still need coverage for your own property — sound equipment, instruments, furniture, and computers — and you may need to meet liability requirements in your lease.
Workers’ Compensation Insurance
Workers’ compensation insurance for churches helps cover medical costs and lost wages when staff or pastors are injured on the job. Requirements vary by state, so we’ll help you confirm what applies to your church.
Business Auto Insurance
Many churches own vehicles to support their ministries. Business auto insurance for churches covers church-owned cars, 15-passenger vans, and buses. If volunteers drive their own cars for church activities, ask about hired and non-owned auto coverage.
Group Health and Employee Benefits
Church staff and their families need health coverage. Group health insurance isn’t inexpensive, but it’s an important benefit for retaining staff. Benefit packages can also include dental, vision, and short- and long-term disability insurance.
Ready to Find the Right Church Insurance Coverage?
Your church insurance broker should be with you from the first quote through every claim and renewal. When you work with Integrity Now Insurance Brokers, we review your church’s needs, compare options from multiple carriers, and explain the coverage in plain language before you decide.
To get started, call us or fill out our church insurance quote form. One of our church insurance brokers will guide you through the process and help you put the right coverage in place at a competitive price.
Frequently Asked Questions About Church Insurance Brokers
What does a church insurance broker do?
A church insurance broker acts as an independent advocate for your ministry. Rather than representing one insurance company, brokers like Integrity Now Insurance Brokers compare multiple carriers, including GuideOne, Church Mutual, and Philadelphia Insurance, to find the coverage that best fits your church’s size, ministries, and budget.
Why use an independent church insurance broker instead of going directly to an insurance company?
An independent broker gives you access to multiple carriers and can compare coverage options side by side. A captive agent or a direct carrier only offers one company’s products. Because churches have unique risks, from property and liability to D&O and abuse prevention, a broker can match your specific needs to the carrier best suited to them.
What types of insurance do church insurance brokers typically recommend?
Most churches need a combination of church property insurance, general liability insurance, workers’ compensation, directors and officers coverage, and abuse and molestation liability. Your broker will assess your ministry activities and facilities to recommend the right coverage package.
Do you charge a broker fee?
No. Integrity Now Insurance Brokers does not charge broker fees. We are paid a commission by the insurance company, which is built into the policy premium. Your quote will show the premium plus any taxes or fees required by the carrier or your state, so there are no surprises.
Can an independent broker quote Church Mutual?
Yes, where available. Church Mutual is one of the carriers we work with, so we can present a Church Mutual option alongside quotes from other church insurance companies. Carrier availability varies by state.
How do I get started with Integrity Now Insurance Brokers?
Call our team or fill out our online quote form. One of our church insurance brokers will review your current coverage, identify any gaps, and present options from multiple carriers. We work with churches nationwide and with ministries of every size.