Business Insurance for Religious Organizations

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Churches & other Houses of Worship
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An allegation of injury, property damage, or misconduct – even if it’s found to be false – can devastate a religious organization. Church insurance policies cover legal costs, medical bills, and more.

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Insureon helps churches and religious organizations compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do churches and religious organizations need?

These policies provide coverage for the most common risks churches face.

General liability insurance icon

General liability insurance

General liability insurance covers basic risks, such as a member slipping while getting up from a pew. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged visitor property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of commercial insurance for a religious organization.

  • Visitor injuries
  • Damage to visitor property
  • Damage to church property
Professional liability insurance icon

Professional liability insurance

This policy is also called errors and omissions insurance (E&O). It can cover expenses if your church is sued for negligence, such as failure to recognize suicidal ideation.

  • Accusations of negligence
  • Failure to perform professional duties
  • Lawsuits related to misconduct
Directors and officers insurance icon

Directors and officers insurance

D&O protects board members and officers from legal expenses if they are sued for a decision made on behalf of a church that led to financial loss.

  • Mismanagement of funds
  • Failure to perform official duties
  • Defamation by a board member or officer
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for religious organizations that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Employment practices liability insurance icon

Employment practices liability insurance

If an employee sues a church over harassment, discrimination, wrongful termination, or another violation of employee rights, EPLI can pay for legal costs.

  • Sexual harassment lawsuits
  • Discrimination claims
  • Claims of wrongful termination
Looking for different coverage? See more policies.

Why do churches and religious organizations need insurance?

From claims of misconduct to church property disputes, religious organizations are not immune to lawsuits. Church insurance lets you continue your worship services and programs despite medical bills from an accident, legal fees from a lawsuit, or other unexpected costs.

How much does insurance cost for nonprofits?

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Several factors will have an impact on insurance costs, including:

  • Nonprofit services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Churches & other Houses of Worship