Business Insurance for Religious Organizations

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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

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.

BEST FOR

Slip-and-fall accidents
Damaged visitor property
Libel or slander lawsuits

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 church.

BEST FOR

Visitor injuries
Damage to visitor property
Damage to church property

Professional liability insurance

This policy, also called errors and omissions insurance, can help cover expenses if your religious organization is sued for negligence, such as failure to recognize suicidal ideation.

BEST FOR

Accusations of negligence
Failure to perform professional duties
Lawsuits related to misconduct

Directors and officers insurance

Directors and officers insurance 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.

BEST FOR

Mismanagement of funds
Failure to perform official duties
Defamation by a board member or officer

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.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

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.

BEST FOR

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

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What our customers are saying

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours. Up to that point, I had spent hours going in circles with others."

Michael D.

Custom programmer

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.

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