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Church and Religious Organization Insurance
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 a slip-and-fall accident, legal fees from an accusation of negligence, or the cost of repairing stained glass damaged in a storm.
Get same-day insurance
With Insureon, churches and other religious organizations can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of insurance do churches and religious organizations need?
These insurance policies cover the most common risks faced by churches.
General liability insurance
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.
BEST FOR
- Slip-and-fall accidents
- Damaged visitor property
- Libel and other advertising injuries
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.
BEST FOR
- Visitor injuries
- Damage to visitor property
- Damaged or stolen church property
Professional liability insurance
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).
BEST FOR
- Accusations of negligence
- Failure to perform professional duties
- Mistakes and oversights
Directors and officers insurance
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.
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
- Employee benefits for work-related disabilities
- Lawsuits from 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 help pay for legal costs.
BEST FOR
- Sexual misconduct lawsuits
- Accessibility lawsuits
- Claims of unfair hiring practices
Looking for different coverage? See more policies.
How much does insurance cost for churches and religious organizations?
A small church can expect to pay less for insurance than a larger place of worship.
Factors that affect church insurance premiums include:
- Services offered, such as a food pantry or daycare
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
- Endorsements for mission trips and fundraisers
How do I get church insurance?
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.
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