Church Insurance

Protect Your Ministry With Church Insurance That Understands Your Mission

Protect Your Ministry With Church Insurance That Understands Your Mission

Churches aren’t just buildings—they’re places of hope, service, and connection. But like any organization, they face risks. From storm damage to slip-and-falls, today’s churches need more than faith to stay protected. That’s where we come in.

At The Insurance Connection, we’ve been helping churches safeguard their ministries since 2014. We’ve worked with congregations of all sizes across the Southeast and beyond, and we understand the unique needs that come with running a house of worship. Whether you’re an independent church, denomination, or multi-site ministry, our church insurance solutions are built to protect your people, property, and purpose.

What Church Insurance Covers

Church insurance isn’t one-size-fits-all. That’s why we build custom policies using core coverages that support both your daily operations and your long-term mission.

Property Insurance
Covers church buildings, signage, sound systems, stained glass, office equipment, and more from losses due to fire, theft, vandalism, and weather events.

General Liability Insurance
Protects your ministry from third-party injury or property damage claims—like if someone slips during Sunday service or is injured at a community event.

Pastoral Counseling Liability
Offers protection for ministers providing spiritual guidance, a crucial coverage for churches offering counseling or support services.

Directors and Officers (D&O) Insurance
Covers church leadership and board members in the event of lawsuits related to governance or fiduciary decisions.

Employment Practices Liability Insurance (EPLI)
Protects against claims of discrimination, wrongful termination, or harassment—especially important if your church has employees.

Sexual Misconduct and Abuse Coverage
Helps protect the church if allegations of abuse arise—coverage no church ever wants to use, but every church should have.

Auto and Transportation Coverage
Insures church vans, buses, or volunteer drivers used for church activities.

Workers’ Compensation
Coverage for employees or, in some states, volunteers injured in the course of their service.

Why the Church Insurance Market Is So Challenging

Churches are being hit hard by today’s insurance market. Even with no claims, many are seeing:

  • Higher premiums
  • New or higher wind/hail deductibles (often a percentage of building value)
  • Policy cancellations or non-renewals
  • Fewer insurance companies willing to write church risks

Factors like aging buildings, climate-related losses, and insurer exits from certain states are making it harder—and more expensive—for churches to stay covered.

But you don’t have to face it alone. At The Insurance Connection, we work with multiple carriers that specialize in church insurance. We help clients:

Why Churches Trust The Insurance Connection

✅ Our agents have insured churches since 2009
✅ 45+ years of combined insurance experience
✅ Dedicated to personalized, faith-based service
✅ Deep knowledge of the Southeast church landscape
✅ Relationships with top church insurance carriers
✅ Transparent, responsive, and easy to work with

Let’s Protect What Matters Most

Your ministry deserves more than a generic business policy. Whether you need help navigating a nonrenewal, evaluating your current policy, or insuring a newly planted church, we’re here for you.


📞 Call us today to talk through your needs
📩 Or request a quote and get started