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.

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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 icon

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.

  • Slip-and-fall accidents
  • Damaged visitor property
  • Libel and other advertising injuries
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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.

  • Visitor injuries
  • Damage to visitor property
  • Damaged or stolen church property
Professional liability insurance icon

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).

  • Accusations of negligence
  • Failure to perform professional duties
  • Mistakes and oversights
Directors and officers insurance icon

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.

  • 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
  • Employee benefits for work-related disabilities
  • Lawsuits from 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 help pay for legal costs.

  • Sexual misconduct lawsuits
  • Accessibility lawsuits
  • Claims of unfair hiring practices
Looking for different coverage? See more policies.

How much does insurance cost for nonprofit organizations?

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A small church can expect to pay less for insurance than a larger place of worship.

Factors that affect 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
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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:

  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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