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 a slip-and-fall accident, legal fees from an accusation of negligence, or the cost of repairing stained glass damaged in a storm.
These insurance policies cover the most common risks faced by churches.
A general liability policy covers basic risks, such as a church member slipping while getting up from a pew. Bundle it with property coverage for savings in a business owner’s policy.
A BOP bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and property damage.
This policy covers financial losses if your church is sued for negligence, such as harm caused by a pastor's counsel. It's sometimes referred to as errors and omissions insurance (E&O).
D&O protects a board of directors and officers from legal expenses if they are sued for a decision made on behalf of a church that led to financial loss.
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.
If an employee sues a church over harassment, discrimination, wrongful termination, or another violation of employee rights, EPLI can help pay for legal costs.
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:
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.