Coverage built for places of worship.
Property, general liability, and sexual abuse & molestation coverage for churches, temples, mosques, synagogues, and ministries — plus options for vehicles, the board, and staff.
Property
Generally intended to respond to covered damage to the building, contents, and special items — sanctuaries, classrooms, and equipment.
General & abuse liability
General liability for premises and event injuries, commonly paired with sexual abuse & molestation (SAM) coverage for youth and congregation programs.
Vehicles, D&O & staff
Options for vans and buses (commercial auto), directors & officers for the board, pastoral/professional liability, and workers compensation.
Tell us about your ministry
Share a few details — congregation size, building, vehicles, and programs help us match you to the right church program.
Frequently asked questions
What does church / house of worship insurance cover?
It is generally a package built around a place of worship: property (the building, contents, and special items), general liability for injuries on the premises or at events, and commonly sexual abuse and molestation (SAM) coverage. Many programs also offer directors & officers, professional/pastoral liability, workers compensation, and commercial auto for vans and buses. Coverage terms vary by carrier.
Why is abuse & molestation coverage important for a church?
Houses of worship work with children, youth groups, and vulnerable people, so sexual abuse and molestation (SAM) coverage is a key exposure that standard general liability often excludes or sub-limits. It is generally intended to respond to defense and liability for covered allegations.
Do we need coverage for vans, buses, and off-site events?
If your ministry owns or operates vehicles, commercial auto is generally what responds. Off-site events, mission trips, and rented spaces can introduce additional exposures that may need to be disclosed or endorsed.
What about directors & officers (D&O) for our board?
Many ministries add D&O / management liability for the board and leadership, which is generally intended to respond to allegations related to governance, employment decisions, and financial oversight — separate from premises liability.