Houses of Worship Insurance
Specialized protection for your people, property and mission
As you strive to make a positive difference in the work you do, it is important to have a partner that is uniquely focused on protecting houses of worship like yours and understands the emotional strength, physical effort and depth of resources required for you to serve others.
Customized coverage solutions
Protecting your members, facilities, activities and mission is important to you – and our number one goal. Choose the right protection for you, with coverage packages that:
- Save you time and uncertainty compared to purchasing individual policies.
- Eliminate costly gaps or overlaps in coverage.
- Leave more resources to focus on serving your faith community.
Property. Provides coverage for your structure and personal property. Optional coverage for business income, extra expense, equipment breakdown, limited water damage and other causes of loss are available.
General Liability. Protects your organization, employees and volunteers against claims of negligence involving bodily injury, property damage, personal and advertising injury, sexual misconduct, catastrophic violence and more.
Management Liability. Protection for your directors, officers, trustees and other elected members of your governing board against allegations of wrongful acts.
Professional Liability. A variety of professional liability coverages are available to cover actual or alleged negligent acts and issues related to rendering professional services.
Employment-Related Practices Liability. Protection for your directors, officers, trustees and other elected members of your governing board against allegations of discrimination, wrongful termination and sexual harassment.
Inland Marine. Coverage for your most valuable, rare or antique possessions, valuable papers and records, accounts receivable, watercraft, signs, theatrical property and much more.
Crime. Coverage to protect your organization from criminal acts, including theft of money and securities, employee theft, fraud and forgery, and alterations.
Cyber Liability. Financial protection against cyber liability and the ever-increasing threat of data breaches.
Hired and Non-owned Automobile Liability. Coverage for rented or borrowed vehicles used on official business.
Workers’ Compensation. Supports your employees should they be injured in the course of their employment.
Keeping your organization safe
Church Mutual’s experienced risk professionals know the unique risks you face and can help identify potential threats to your organization. In addition to our trained staff, you have access to innovative safety technology and valuable safety resources including:
- Swim and allergy bands to keep kids safe.
- Access to MinistrySafe® for comprehensive staff training.
- Water and temperature sensors to prevent costly damages through our CM Sensors® program.
- Discounts with our nationally recognized partners.
- A library of checklists, videos, webinars and more.
Coverage references on this website are for illustrative purposes only and do not represent a policy contract. Refer to your Church Mutual insurance policies for complete descriptions of coverages, limitations and exclusions. Some coverages may not be available in all states.