Insurance for Churches & Nonprofits
Churches and nonprofits carry unique exposures — volunteers, youth programs, counseling ministries, and buildings used for far more than a Sunday morning. We build coverage that reflects the full scope of what your organization actually does.
Coverage We Build Around Your Business
Real Risk, Real Coverage
An allegation arises from a youth program, and standard general liability doesn't respond.
Abuse & molestation coverage is a distinct policy addition that many churches assume is automatically included — it usually isn't, and going without it is one of the biggest gaps we see.
A board decision is challenged and leadership faces a lawsuit.
Directors & Officers coverage protects the personal assets of board members and leadership from claims tied to management decisions.
A volunteer is injured helping during a church event or work day.
Volunteer accident coverage can help with medical costs, since workers' comp typically doesn't extend to unpaid volunteers.
Questions We Hear Often
Yes — background checks are good practice but don't replace insurance coverage. Abuse & molestation coverage is a separate policy addition most churches need explicitly, since it's excluded from standard general liability.
Generally no — workers' comp covers paid employees. Volunteer accident and liability coverage is a separate, and often overlooked, addition worth discussing if you rely on volunteers regularly.
It depends on your policy's terms — many church policies can be extended to cover off-site events, but this should be confirmed in advance rather than assumed.
It protects board members and leadership personally if the organization is sued over a management decision, such as a hiring dispute or a policy change — without it, those individuals could be personally exposed.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
Request a Commercial Quote