Animal shelters
Charitable organizations
Community centers
Counseling and referral centersCompare insurance quotes for churches
Save money by comparing insurance quotes from multiple carriers.
Churches & other Houses of Worship
Business Insurance for Religious Organizations
Compare multiple quotes from top carriers with one application.
Churches & other Houses of Worship
We partner with trusted A-rated insurance companies
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.
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
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 religious organization.
BEST FOR
- Visitor injuries
- Damage to visitor property
- Damage to church property
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.
BEST FOR
- Accusations of negligence
- Failure to perform professional duties
- Lawsuits related to misconduct
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.
BEST FOR
- Mismanagement of funds
- Failure to perform official duties
- Defamation by a board member or officer
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.
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?
Several factors will have an impact on insurance costs, including:
- Nonprofit services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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.
What our customers are saying
Top nonprofits we insure
We also cover human and social services.