How to Buy Church Insurance

A good church insurance policy is one that frees your leadership to focus on ministry. The key is finding an insurance agent and company that are right for your ministry. Consider the following areas of insurance before you make a purchase.

General property and liability protection

  • Protect your building and its contents against damage caused by fire, water damage, and adverse weather. Look for policies that would allow you to continue operations while your building was being restored because one of these perils had rendered it unusable.
  • Prepare your ministry for worker’s compensation and liability claims brought about by employee work-related injuries or illness.

Additional protection options

  •  A commercial auto policy typically covers injury liability for vehicles that your ministry owns, whereas a non-owned vehicle policy is for borrowed or rented vehicles.
  • Foreign travel insurance for long- and short-term missions may provide coverages for medical care, medical-related evacuation, accidental death, foreign liability, travel assistance, and other services.
  • An excess (umbrella) liability policy can provide excess liability protection, if needed, and extend the limits of other coverages.
  • A multi-peril policy offers optional coverages to protect against lawsuits alleging injury resulting from sexual misconduct, pastoral counseling, directors’ and officers’ liability, employment discrimination, equipment breakdown coverage, and other coverages that address specific ministry needs.

What to look for in an insurance agent

  • Choose an agent who works for you, not a single insurance company. A captive agent is a paid employee of the insurance company he or she represents, while an independent agent can sell products from multiple companies.
  • Ensure that the agent has certifications and experience specific to insuring churches and ministries.
  • Seek endorsements from ministries similar to yours.
  • Review printed materials and other educational resources the agent offers, and determine their relevance to your own risks.
  • Determine whether the agent understands how ministry organizations operate.

What to look for in an insurance company

  • Choose a company that gels with your mission and values.
  • Choose a company that offers policies designed to meet the unique needs of ministries.
  • Ensure that the company has a reputation for satisfying customer claims in a complete and timely manner.
  • Consult the A.M. Best Company ratings and other indicators of fiscal integrity.
February 25, 2021
Catalytic Converter Theft on the Rise: Protect Ministry Vehicles
Catalytic Converter Theft on the Rise: Protect Ministry Vehicles

Thieves are taking advantage of soaring precious metal prices. Take steps to protect your ministry’s vehicles and property.

Tags: protect, theft, vehicle
February 15, 2021
Grant Funds Available for Safeguarding Ministries
Grant Funds Available for Safeguarding Ministries

As the Director of Ministry Safety for our agency, I am dedicated to finding ways to help safeguard ministries like yours.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
February 5, 2021
Avoid Frozen Pipes as Temperatures Plummet
Avoid Frozen Pipes as Temperatures Plummet

As temperatures plummet, the risk of freezing pipes soars. Frozen pipes can cause costly messes that could also put your ministry on hold while you clean up.

Tags: frozen, building, pipes, prevent damage
January 12, 2021
Potential Vulnerabilities in School's Safety Plan
Are there hidden vulnerabilities in your school's safety plan?

On behalf of our agency, I recently participated in one such training which focused on strategies and tactics for responding as a single officer to an active safety threat in a school building.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
January 5, 2021
Church Safety Trends for 2021
Church Safety Trends for 2021

If you’re anything like me (and maybe the rest of the world for that matter), you’re grateful to put the craziness of the past year behind us.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
November 23, 2020
COVID-19 and the Christmas Season
COVID-19 and the Christmas Season

Preparing for this Christmas season may require additional creativity, due to the uncertainty of what COVID-19 may bring in our local community.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
October 28, 2020
Guidance for Ministries About Boy Scouts' Bankruptcy
Guidance for Ministries About Boy Scouts' Bankruptcy

A mid-November deadline in the Boy Scouts of America’s (BSA) bankruptcy proceedings may have you wondering what the organization’s bankruptcy filing means for your ministry if you ever hosted or chartered Boy Scout Troops.

Tags: coverage, protect, liability, damages, youth
October 1, 2020
Applying for PPP Loan Forgiveness
Applying for PPP Loan Forgiveness

Organizations that obtained Paycheck Protection Program (PPP) funding through the CARES Act can have their loans forgiven, turning them into grants. To qualify, each borrower must file a forgiveness application with its PPP lender, proving that it followed the rules. If your church, school, college, or camp meets all the criteria, 100% of its loan can be forgiven.

April 13, 2020
Beware of COVID-19 Cyber Scams
Beware of COVID-19 Cyber Scams

Ministries are creatively scrambling to continue their operations and safely engage their congregations with an array of online technologies during the coronavirus pandemic. Unfortunately, hackers are ready to take advantage of the confusion with scams designed to steal valuable data or siphon funds from your ministry.

Tags: fireworks
March 30, 2020
CARES Act: Churches Need to Apply Now
UPDATED: CARES Act: Churches Need to Apply Now

Learn about the CARES Act and two loans for which ministries may be eligible, since Congress authorized additional funding April 23. 

March 6, 2020
Coronavirus and Your Ministry: Tips for Prevention
Coronavirus and Your Ministry: Tips for Prevention

As concern over the dangers associated with the spread of a new coronavirus, COVID-19, spreads, our agency and Brotherhood Mutual want to keep you informed and provide best practices for managing the spread of this and similar illnesses at your ministry.

January 29, 2020
Hosting a Game Day Bash? Brush Up on Copyright Basics
Hosting a Game Day Bash? Brush Up on Copyright Basics

The first Sunday in February is a big day for sports fans. In fact, many Americans view Super Bowl Sunday as a national holiday. Friends and families will gather this year to watch the big game, enjoy delicious snacks, and of course, critique the commercials that go along with game day.

October 28, 2019
Are You Covered If You're Injured Overseas?
Are You Covered If You're Injured Overseas?

Recently, we learned about two major overseas incidents involving pastors on mission trips. The first incident involved a pastor being hit by a motorcycle while running. The second was a bus accident involving two pastors. The runner and one of the two bus passengers sustained extensive injuries.

Tags: missions, insurance
September 11, 2019
Returning to Tornado-Damaged Areas
Returning to Tornado-Damaged Areas

If your ministry buildings were damaged as a result of these tornadoes, or if you plan on sending ministry volunteers out to assist with disaster recovery, be mindful of the dangers involved.

Tags: tornado, severe weather
September 1, 2019
IRS Announces More Church Audits Regarding ACA Compliance
IRS Announces More Church Audits Regarding ACA Compliance

Last month, the IRS announced that its initiating hundreds of church exams to test compliance with the Affordable Care Act (ACA). While many provisions only apply to churches with 50 or more full-time equivalent employees (FTEs), even smaller churches could potentially violate provisions applicable to health benefit plans with as few as 2 plan participants.

Tags: ACA, IRS
July 3, 2019
Celebrate Safely This Independence Day
Celebrate Safely This Independence Day

July 4th is synonymous with food, fun, and fireworks. If your church is planning an event this Independence Day, remember to keep a focus on safety, so that everyone can have fun.

Tags: fireworks, firework safety
June 28, 2019
Insurance is one of those things we forget about until we need it
Insurance is one of those things we forget about until we need it

National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and ministries.

Tags: fireworks
April 29, 2019
North Dakota Severe Summer Weather Awareness Week
It's Severe Summer Weather Awareness Week in North Dakota

As winter turns to spring, we’re also in for a turn in weather. Lightning, strong winds, flash flooding, hail, or tornadoes could quickly strike your ministry. The National Weather Service has designated April 29 – May 3, 2019, as Severe Summer Weather Awareness Week in North Dakota.

Tags: weather emergency, storms, lightning, flood
April 8, 2019
Vehicle Registration Guidelines for Ministries
Vehicle Registration Guidelines for Ministries

Do you use commercial vehicles that transport more than 15 passengers or carry cargo from one state to another as part of your ministry? If so, you are required to register with the Federal Motor Carrier Safety Administration (FMCSA) and obtain a USDOT number.

Tags: vehicle safety, liability, auto insurance
September 21, 2018
Measles Reported in 21 States
Measles Reported in 21 States

The Centers for Disease Control says 107 cases of measles have been reported in 21 states since January 1.

Tags: fireworks