Insurance for Religious Organizations

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Integrity Now Insurance Brokers strives to be the leading provider of insurance for religious organizations. We work with a variety of insurance carriers to provide our clients with the best possible coverage at the most competitive prices.

Our team of insurance experts is here to help you find the right coverage for your religious organization. We understand that each religious organization is unique and has its own specific needs. That’s why we offer a variety of insurance products and services that can be customized to meet your specific needs.

Whether you’re looking for property insurance, liability insurance, workers’ compensation insurance, or any other type of coverage, we can help. We’re committed to providing the highest level of service to our clients.


We’ll work with you to understand your needs and find the best possible solution for your organization.

Contact one of our church insurance agents to learn more about our insurance options for religious organizations and to obtain church insurance quotes.

Why Every Religious Organization

Needs a Tailored Insurance Policy

As human service organizations, you face unique risks that need to be properly covered by insurance. Whether it’s property damage, bodily injury, or professional liability, you need to make sure you have the right church insurance policy in place.

There are a few key reasons why every religious organization needs a tailored insurance policy:

To protect your property:

Your religious organization likely owns the property, whether it’s a church, school, or other buildings. This property needs to be properly insured in case of damage or destruction.

Church buildings are unique in their design and shape which requires specialized training in determining the true cost to rebuild a church building with ornate characteristics. No church member wants to lose the uniqueness of their church building in the event of a fire. 

With the right church insurance policy, you can make sure your buildings are covered by a policy that’s tailored to their unique needs.

To protect your members:

Your members are an important part of your religious organization. If they are injured while on your property or participating in your activities, you could be held liable. A tailored insurance policy can help protect you financially if this happens

To protect your members:

If your religious organization is sued, it could damage your reputation and finances. A tailored church liability insurance policy can help protect you from this type of financial loss.

To get the coverage you need:

A standard insurance policy may not provide the coverage you need as a religious organization. A tailored church insurance policy can make sure you’re properly protected.

To save money:

A tailored insurance policy can often save you money on your premium. This is because you’re only paying for the coverage you need, rather than for coverage you may not use.


As you can see, there are many good reasons to have a tailored church insurance policy for your religious organization.This type of policy can help protect your property, members, and reputation. It can also save you money on your premium.


A church insurance agent who works at Integrity Now Insurance Brokers helps churches throughout the US obtain insurance quotes.

The Various Types of Church Insurance Coverage Policies

Available to Religious Organizations

Being a religious organization, it is important to have the right insurance policy in place to protect your organization and its members. There are many different types of insurance policies available to religious organizations, and it is important to choose the right one to fit your needs. Here is a look at the various types of church insurance coverage policies available to religious groups:

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Church Property Insurance:

Business Property insurance protects your organization’s buildings and contents in the event of a covered loss, such as fire, theft of computer equipment, or vandalism. This type of insurance can also cover the cost of repairs or replacement if your property is damaged by a natural disaster.

One of the top problems we discover when reviewing insurance policies is that churches are often underinsured for their building. The lack of adequate church property insurance can be devastating. No one ever wants to believe their church will be destroyed in a fire.

It is important to conduct regular insurance reviews to ensure your coverage is keeping up with inflationary trends.

Business Liability Insurance for Churches:

Church liability insurance protects your organization from claims of bodily injury or property damage that occur as a result of your operations. This type of insurance can also cover the cost of legal defense if you are sued.

Directors and Officers Insurance:

As a church, you are considered a nonprofit organization, which requires your church to have a board of directors. Churches most commonly refer to their board members as Elders and/or Council Members.

As church board members, they take on additional personal liabilities for the financial decisions they make on behalf of the church. As a result, most informed board members want an insurance policy to protect them financially.

Directors and officers insurance for churches (D&O Insurance) protect the personal assets of each person who sits on the directors and officers board. These personal assets include their personal checking and savings account, stocks, and even the equity within their home.

In addition, it provides protection to their spouses, in the event they are personally sued. Lawsuits can come from any number of parties, including employees, vendors, competitors, investors, customers, or government agencies.

Workers’ Compensation Insurance for Churches:

When it comes to workers’ compensation insurance for churches, Integrity Now Insurance Brokers has you covered.

All employers, including churches, are required by law to provide workers’ compensation benefits to their church staff by paying for workers’ compensation insurance. This insurance covers the cost of medical treatment, lost wages, and possibly compensation for permanent impairment and job retraining if an employee suffers a work-related accident or becomes ill due to conditions on the job.

Many churches mistakenly believe that they are exempt from this requirement, but all employers must purchase workers’ compensation insurance regardless of the number of employees. Don’t let your church be caught without this important coverage – contact Integrity Now Insurance Brokers today.

Employment Practices Liability Insurance (EPLI):

Churches and nonprofit religious organizations can sometimes have a hierarchical structure that can conflict with a more typical business environment. Because of this, there is an increasing likelihood that an employee will seek a lawsuit alleging discrimination, sexual harassment, retaliation, or other claims.

EPLI insurance helps provide the needed coverage related to wrongful employment act claims against your church organization. A typical employee or applicant can make the accusation that you as their employer violated their legal rights. This includes employment-related claims made through the Equal Employment Opportunity Commission (EEOC) or the equivalent state agency.

Flood Coverage:

Flood coverage is important when you are considering the availability of flood insurance. Floods are unpredictable and can cause extensive damage to homes, businesses, and churches that may be difficult or impossible to repair. Depending on where your religious organization is located the cost of flood insurance can be affordable or very costly.

Business Interruption Insurance:

Your church needs business interruption insurance in case something happens that disrupts your regular operations. This could be a natural disaster, like a tornado or hurricane, or a man-made event, such as a fire. If your church experiences an interruption in its normal operations due to an event that’s covered by your policy, business interruption insurance can help cover the costs associated with getting back up and running. This might include things like renting temporary space for services or paying for repairs to your building.

Pastoral Professional Liability:

Pastoral Professional Liability Insurance covers a pastor’s liability for injury to others during counseling activities. It also includes coverage should the pastor be accused of defamation or slander. This type of insurance comes in two forms:

1) Cost of defense and settlement, which pays the pastor’s legal fees if they are sued for a crime committed during pastoral duties, and

2) Cost of defense only, which provides the pastor with legal representation should they be accused of a crime.

When purchasing Pastoral Professional Liability Insurance, make sure you understand the policy you are purchasing. There is a big difference between coverage for the cost of defense and settlement, which pays the pastor’s legal fees if they are sued for a crime committed during pastoral duties, and coverage for the cost of defense only, which provides the pastor with legal representation should they be accused of a crime.

Abuse and Molestation Insurance: Coverage for Claims of Abuse by Clergy

Abuse and molestation insurance cover the cost of defending against claims that a member of your staff or volunteer organization abused an individual. This coverage is available in the form of a standalone policy or as an endorsement to your general liability insurance.

Abuse and molestation coverage can help protect you against the cost of defending yourself in court, paying damages awarded by the court, and paying for settlements.

It can also cover the cost of defending against claims that an employee or volunteer was negligent in supervising a child during church activities.

The cost of this coverage is based on the size and type of your organization, as well as where you conduct activities.

There are many other types of insurance coverage available to religious groups, so be sure to speak with your insurance agent to determine which type of policy is right for your organization.

Religious Beliefs Insurance Coverage:

Religious expressions insurance is a new type of insurance created in order to protect churches from liability issues that may arise from their religious beliefs. This insurance will help to cover the costs of lawsuits and other legal problems that may come up, and will hopefully keep churches from having to sell their assets in order to pay for these expenses. This new coverage is something that all churches should consider getting in order to protect themselves from these potential problems.

Commercial Auto Insurance for Churches:

Commercial auto insurance coverage for churches is a policy that covers the church and its property in case of accidents. The coverage will be contingent on the type of driver involved, their driving record, and whether or not they were driving the church vehicle.

It is important to make sure that your church is fully protected in the event of an accident that causes both property and bodily injury.

We recommend that churches carry the maximum available automobile insurance limits, which is typically $1,000,000 in liability insurance coverage. Your church could reduce your liability limits down to $500,000, but the savings are very minimal as compared to the benefit of having the higher limit.

Employee Dishonesty Insurance Coverage:

Employee dishonesty insurance coverage is a type of church insurance policy that protects the faith-based organization from employees who may steal, forge checks or commit other types of fraud. The plan will typically cover the cost of replacing any missing money, jewelry, or other items.


Church Insurance Companies

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Running a religious organization comes with a lot of responsibility. Not only do you have to worry about the wellbeing of your congregation, but you also have to be mindful of the potential for financial loss and liability. That’s why it’s so important to have a robust church insurance policy in place.

At Integrity Now Insurance Brokers, we work with all of the major church insurance companies to help you find the best possible policy for your needs. We know that every religious organization is different, so we take the time to understand your unique situation and find the company that can best meet your needs.

Some of the best church insurance companies we work with include Guideone Insurance, Church Mutual, Great American Specialty Human Services Insurance, and Philadelphia Insurance Company. These companies all have excellent reputations and will work hard to make sure your religious organization is protected.

When it comes to choosing the right church insurance policy, there are a few things you will want to keep in mind. 

  1. Think about what types of coverage you need. You will want to make sure that your congregation, youth groups, and worship services are all covered.
  2. Consider the financial needs of your religious organization. You will want to make sure that you are adequately protected in the event of a financial loss.
  3. Think about the potential for liability. You will want to make sure that you are protected in the event that someone is injured on your property or if you are sued.

Choosing the right church insurance policy is an important decision. But with the help of Integrity Now Insurance Brokers, you can be confident that you are making the best decision for your religious organization.

Get The Best Church Insurance Coverage For Your Congregation!

If you are considering obtaining religious insurance for your church we recommend reviewing our article: How to Buy Church Insurance.

As a leading church insurance company, we are committed to helping religious organizations minimize risk and optimize their insurance coverage. Our agents are experienced in working with churches of all sizes and denominations and are dedicated to providing tailored, comprehensive protection at competitive rates.

We have helped provide insurance for small churches and insurance for large churches.

Whether your religious organization is looking for church property insurance, liability insurance coverage, or protection for your valuable assets, we can help you find the right policy to meet your needs.

Contact us today to obtain church insurance quotes and learn more about our church insurance services, and let us help you safeguard your ministry.

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