How to Buy Church Insurance

A good church insurance policy is one that frees your leadership to focus on ministry. The key is finding an insurance agent and company that are right for your ministry. Consider the following areas of insurance before you make a purchase.

General property and liability protection

  • Protect your building and its contents against damage caused by fire, water damage, and adverse weather. Look for policies that would allow you to continue operations while your building was being restored because one of these perils had rendered it unusable.
  • Prepare your ministry for worker’s compensation and liability claims brought about by employee work-related injuries or illness.

Additional protection options

  •  A commercial auto policy typically covers injury liability for vehicles that your ministry owns, whereas a non-owned vehicle policy is for borrowed or rented vehicles.
  • Foreign travel insurance for long- and short-term missions may provide coverages for medical care, medical-related evacuation, accidental death, foreign liability, travel assistance, and other services.
  • An excess (umbrella) liability policy can provide excess liability protection, if needed, and extend the limits of other coverages.
  • A multi-peril policy offers optional coverages to protect against lawsuits alleging injury resulting from sexual misconduct, pastoral counseling, directors’ and officers’ liability, employment discrimination, equipment breakdown coverage, and other coverages that address specific ministry needs.

What to look for in an insurance agent

  • Choose an agent who works for you, not a single insurance company. A captive agent is a paid employee of the insurance company he or she represents, while an independent agent can sell products from multiple companies.
  • Ensure that the agent has certifications and experience specific to insuring churches and ministries.
  • Seek endorsements from ministries similar to yours.
  • Review printed materials and other educational resources the agent offers, and determine their relevance to your own risks.
  • Determine whether the agent understands how ministry organizations operate.

What to look for in an insurance company

  • Choose a company that gels with your mission and values.
  • Choose a company that offers policies designed to meet the unique needs of ministries.
  • Ensure that the company has a reputation for satisfying customer claims in a complete and timely manner.
  • Consult the A.M. Best Company ratings and other indicators of fiscal integrity.
September 21, 2018
Measles Reported in 21 States
Measles Reported in 21 States

The Centers for Disease Control says 107 cases of measles have been reported in 21 states since January 1.

Tags: coverage, protect, directors and officers, liability, damages
June 1, 2018
June Is National Safety Month - Week 1: Emergency Preparedness
June Is National Safety Month - Week 1: Emergency Preparedness

The National Safety Council has designated June as National Safety Month, so we want to make sure your ministry is doing everything it can to protect its people, property, and programs. Each week in June, we’ll tackle a different topic. Up this week: Emergency Preparedness.

Tags: disaster prep, fire prevention, lightning, medical emergency, medical team, storms, weather emergency
December 16, 2015
Celebrate July 4 Safely
Celebrate July 4 Safely

Will your ministry be hosting a Fourth of July celebration this year? You may be planning a spectacular firework show as part of your festivities. Read this post before hosting an event at your ministry.

Tags: firework safety
April 18, 2018
Collect Online Donations? This New Scam Targets You
Collect Online Donations? This New Scam Targets You

There’s a new scam in town, and ministries and other organizations collecting donations are the primary target. If your ministry collects tithes or donations, you could be targeted by scammers practicing donation overpayment fraud.

Tags: finances, donations, fraud, cyber security
February 21, 2018
Remembering Billy Graham
Remembering Billy Graham

Beloved evangelist Billy Graham was called to his heavenly home on Wednesday, February 21, 2018, at the age of 99.

Tags: Billy Graham
February 9, 2018
Flu Is Widespread: Protect Your Congregation
Flu Is Widespread: Protect Your Congregation

For the first time in its 13 years of influenza monitoring, the U.S. Centers for Disease Control and Prevention is reporting that every state in the continental U.S. is seeing widespread flu activity. Get tips on how to keep your congregation healthy this flu season.

Tags: protect, health safety, risk, health, flu
June 19, 2017
Off-Site Youth Activities
Off-Site Youth Activities

Snow skiing. Camping. Whitewater rafting. A youth group trip can give students an exciting diversion from their weekly routines, as well as an opportunity to strengthen healthy friendships. Off-site activities may challenge your students to step outside of their comfort zones a bit, but this can bring about a positive result.

Tags: youth, insurance, safety
June 7, 2017
Insurance Protection Should Accompany Every Mission Trip
Insurance Protection Should Accompany Every Mission Trip

If you are in the process of planning a mission trip for your church group, make sure to think carefully about insurance, safety, and security as you hammer out the details. Extra preparation could minimize headaches when your group arrives on the mission field.

Tags: mission insurance, foreign travel, liability, coverage
May 24, 2017
Think Before You Loan Your Ministry's Vehicles
Think Before You Loan Your Ministry's Vehicles

Has your church or school ever been asked to loan one of your vans or buses to another? Before you decide to loan your ministry vehicles to another organization, seriously consider the potential risks associated with such a decision.

Tags: auto insurance, loaning vehicles
March 29, 2017
Has Your Church Completed a Personal Property Inventory?
Has Your Church Completed a Personal Property Inventory?

Completing a personal property inventory of your church or ministry could be one of the wisest activities you can pursue. If disaster strikes and you file an insurance claim, you may need an inventory highlighting damaged items.

Tags: claims, coverage, insurance, property
March 15, 2017
Is Your Ministry as Safe as It Could Be?
Is Your Ministry as Safe as It Could Be?

Have you thought through potential dangers that may confront your ministry? Taking steps to consider and address these risks provides important protection from injuries, lawsuits, fires, and dozens of other hazards that may affect your ministry, especially your employees and those you serve.

Tags: protect, safety, security, security team, protecting staff members, risk management
February 22, 2017
Health Care Reimbursement Option Now Available
Health Care Reimbursement Option Now Available

Small businesses—including churches and related ministries—can once again pay premiums for their employees’ health insurance. Previously known as an Employer Payment Plan (EPP) or Health Reimbursement Account (HRA), these arrangements violated the Affordable Care Act (ACA). However, due to a recently passed law, ministries that are not part of a group health plan now have another option to help employees with health care costs.

Tags: church staff, health insurance
February 15, 2017
IRS Warns of Dangerous W-2 Email Scam
IRS Warns of Dangerous W-2 Email Scam

Ministries beware: An email scheme, designed to coincide with tax season, asks payroll and human resource professionals to disclose employees’ personal information. Think you wouldn’t fall for such a scam? You might, if the email looks as if it came from someone in your ministry.

Tags: IRS regulations, paying employees, cyber security, church staff, security, damages, digital
February 1, 2017
Dual Tax Status: What Does It Mean for Your Pastor?
Dual Tax Status: What Does It Mean for Your Pastor?

Under federal law, most ministers have dual tax status. Dual tax status means a minister is an employee of the church for federal income tax purposes, and self-employed for Social Security and Medicare taxes. Here’s what you need to know.

Tags: church payroll, finance, IRS regulations, paying employees, tax code
January 18, 2017
Protect Your Board Against Lawsuits
Protect Your Board Against Lawsuits

Lawsuits against churches and ministries are on the rise, making their board members especially vulnerable. Sometimes, courts have found directors and officers personally liable when their actions have resulted in financial damages.

Tags: protect, directors and officers, protecting staff members
January 4, 2017
Incorporation Can Protect Church Members
Incorporation Can Protect Church Members

Incorporation takes the weight of responsibility off the shoulders of individuals and instead, places it on the organization. In contrast, a court may find all members of an unincorporated church legally responsible for negligent or criminal actions committed by one church member.

Tags: protect, directors and officers, protecting staff members
December 14, 2016
How Well Does Your Ministry Secure Personal Data?
How Well Does Your Ministry Secure Personal Data?

Ministries commonly store a variety of personal information about their members and the people who support them. Mailing lists and donation records may be the most familiar repositories of personal information; however, the average church database is also likely to include Social Security numbers and payment card information. Unsecured, this data could make church members vulnerable to criminals—putting church and ministry members at risk.

Tags: cyber security, digital, protect, risk, church offerings, financial gifts, liability, security
December 7, 2016
Keep Would-Be Thieves from Curbing your Christmas Joy
Keep Would-Be Thieves from Curbing your Christmas Joy

Large or small, churches and ministries are often easy prey for would-be thieves, especially as church holidays, like Christmas, approach and weekly offerings increase as more people return to worship and other ministry activities. Ministry leaders can boost their ability to keep thieves away from their contributions and property by taking just a few precautions—not only during the holidays, but also throughout the year.

Tags: coverage, protect, directors and officers, liability, damages, liability, protect, risk, safety, church offerings, financial gifts
November 30, 2016
Are Your Church Christmas Decorations a Fire Hazard?
Are Your Church Christmas Decorations a Fire Hazard

Churches seldom look more beautiful than when they're decorated for the holidays. Candles, lights, and greenery add splendor to the celebration of Christ's birth. Unfortunately, they also contribute to a number of fires each December. As you haul out the decorations, remember to balance beauty with safety.

Tags: coverage, protect, directors and officers, liability, damages, liability, protect, risk, safety, fire prevention
November 16, 2016
Always Looking for Church Nursery Volunteers?
Always Looking for Church Nursery Volunteers?

Having a hard time finding people to serve in the church nursery? Do new volunteers stop serving, shortly after they begin?  There could be a number of reasons for that.

Tags: protect, liability, risk, safety, youth, volunteers