A Church Is More Than a Building. It's a Community.

A church is a worship center where people unite in a familiar, comfortable environment. Individuals seeking spiritual guidance join together to form a familial bond.

It is your ministry’s duty to maintain a safe and welcoming facility. Should disaster strike, a church insurance policy can protect the community physically and emotionally in times of need.

What Types of Church Insurance Are Available?

Like other kinds of insurance, there are a variety of options to choose from in regards to church insurance. Most plans include property and liability coverage.

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Property Coverage for Churches

Property coverage protects buildings, signage, fences, and contents from damage and theft. Some of the non-standard items that are covered include, but are not limited to:

  • Stained glass windows
  • Equipment failure, including electronics
  • Fire and security alarm upgrades
  • Personal property loss worldwide, e.g., items lost on a mission trip

Liability Coverage for Churches

Liability coverage protects the ministry against claims of property damage or bodily injury that occur on church property or at a church-sponsored event. Enhanced liability coverage includes, but is not limited to:

  • Teacher/government board liability
  • Specialized emotional injury liability
  • Sexual misconduct liability
  • Directors, officers, and trustees liability
  • Employee practices liability
  • Religious expression coverage
  • Pastoral counseling liability
  • Personal injury liability
  • Employee benefits liability

It may be beneficial to add commercial auto insurance and workers compensation to your policy for added protection.

Make the Most of Your Church Insurance

In addition to your property and liability coverage, you can add a variety of optional coverages so your policy is customized to your church's needs. These can include:

  • Lost wage coverage
  • Key person replacement coverage
  • Computer fraud coverage
  • Flood coverage
  • Mission trip coverage

Contact us at 301-855-9393 today to learn more about coverage options for your church or Christian school. We are happy to work with you to determine which coverages best meet your needs and to provide you with a free quote or consultation.


Meet Your Specialist

Kerry Day

Kerry M. Day, CFP

Kerry is the President of American Insurance Marketing Corp., A division of World Insurance Associates LLC. He has been a licensed insurance agent since 1980.

Kerry specializes in Houses of Worship, Private Schools, and Nonprofits. He is a Certified Financial Planner and former President of the Board for Church By The Chesapeake & Church By The Chesapeake Real Estate Trust.

How Can We Help You?

If you want great value with professional expertise, you've come to the right place.

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