Business Insurance for Religious Organizations

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Churches & other Houses of Worship
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Why do churches and other religious organizations need insurance?

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

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One application, multiple quotes

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

Most states require workers' comp for religious organizations that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • 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.

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
View Costs

How do I get insurance for my church?

It's easy to get insurance and fidelity bonds for your religious organization if you have the relevant information on hand. Our application will ask for basic facts about your church, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your religious organization, whether you work independently or hire employees.

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Churches & other Houses of Worship