Insurance Coverage for Your Church

Protect your faith community from liability risks.

Church Insurance at an Affordable Price

Running and maintaining a church is a task that requires a lot of responsibility, and it's up to you to prevent problems and protect the church from harm. But no matter how hard you try, you won't be able to manage every risk that comes your way.

If you don't want to face risk-related expenses alone, it's time to consider if you need religious organization insurance that will protect you from the unexpected. When you choose the right plan for your church, you won't need to worry about facing any disaster alone because you will know that you are fully protected from damages.

General Liability and Property Insurance

Theft, fire, water damage, and more can destroy your church without warning. When you don't have the right type of church insurance, rebuilding can be an impossible task to complete. The correct coverage plan will help fund the rebuilding process and you can focus on helping your members.
  • Protection from property damage
  • Include all your buildings on the same policy
  • Affordable insurance to cover rebuilding costs
  • Liability coverage
People are filing new lawsuits every day, and anyone who comes onto your property can try to claim damages. Depending on the outcome of the lawsuit, the court could force you to pay for the expenses out of your church funds. Because you will always face the risk of a lawsuit, you won't want to overlook the power of liability insurance.
Pastoral professional with kid

Pastoral Professional Liability

As the leading figure in a church, people often come to you for advice and guidance. The advice they will ask for can range from small issues to major life decisions. If a person feels as though your advice has caused harm, they can file a lawsuit to seek compensation. You can get an affordable church insurance plan to keep yourself safe from these situations, and if you ever end up in court, you will have the coverage needed to keep your doors open.
  • Get coverage when others claim your guidance has harmed them 
  • Get financial coverage for legal costs
  • Protection from lawsuits looking for compensation

Which insurance coverage does a church need in a policy?

At the end of the day, a church (from an insurance standpoint) is treated just like a business would be treated. There are liability risks, property risks, and auto risks just like any business. For this reason, a church may be able to set up a business owners policy or a commercial insurance package tailor-made to fit them best.

See our resources on business owners policies.

Are there certain coverages that a church has that businesses would not have?

The main difference in coverage that a church would have is pastoral counseling insurance. There are other types of insurance coverage that would be beneficial for a church, including directors and officers insurance, child protection coverage, and professional liability coverage—but they're not exclusive to church organizations.

Does church insurance cover the church daycare?

It depends on your provider and insurance agency. Talk with one of our agents today to get expert guidance to find the most affordable and best policy for your church.

Does a church insurance policy cover all the buildings on one policy?

Yes. If the insurance policy specifies all the locations on the policy and you include the worship center, youth buildings, gym, or conference center, all the buildings listed can be put on one policy.

We're Here to Help

Do you want to talk with a professional agent? We're here to answer any questions and help you create the best policy for your church that's affordable and covers all your assets. Protect your house of worship.

Do you have a question about insurance coverage for your church?

Our agents are ready to answer any of your questions.
Guardian Insurance Group is an independent insurance agency that serves customers in Tennessee, Arkansas, and Mississippi. They offer a wide range of personal and commercial insurance products, including auto, home, and business insurance.

Guardian Insurance Group is committed to providing clients with the best possible service. They have a team of experienced and knowledgeable agents who are dedicated to helping their customers find the right insurance coverage for their needs. Guardian Insurance Group also offers a variety of online resources to help their customers manage their insurance policies.

In 2022, Guardian Insurance Group was voted in the top three for Best Insurance Agency by the DeSoto Times-Tribune. This award is a testament to the hard work and dedication of the agency's team. Guardian Insurance Group has locations in Memphis, TN, Southaven, MS and Byhalia, MS and is committed to providing clients with the personalized and unique service they deserve.
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