Church & House of Worship Insurance

Core coverages

• Property — sanctuary, contents, stained glass, and sound equipment (often underinsured)
• General liability — members, visitors, and community use of your building
• Pastoral counseling liability — advice and spiritual guidance exposure
• Abuse prevention coverage — essential when minors are in your care
• Directors & officers — protects board members' decisions
• Special events — festivals, fundraisers, and off-site activities

What drives your rate

Building age and updates (roof, electrical, plumbing), whether you run a daycare or school, van or bus transportation, and how often outside groups use the building. Older sanctuaries are beautiful — and they're the first thing underwriters ask about, so updated systems pay for themselves in premium.

Why agents pass — and we don't

Churches with older buildings or active youth programs get non-renewed by carriers exiting the space. Specialist church carriers still want these congregations — and they price the counseling and abuse-prevention coverages that generic policies water down.