Insuranks
Insuranks

Church & Religious Organization Insurance: Quotes From $30/mo

Table of contents
1. General Liability Insurance for Religious Organizations and Churches1.1. Add-Ons of General Liability Insurance for Religious Organizations and Churches1.2. Coverage Limits of General Liability Insurance for Religious Organizations and Churches1.3. Is General Liability Insurance Legally Required for a Religious Organization?2. Errors and Omissions Insurance for Religious Organizations and Churches2.1. Add-Ons of Errors and Omissions Insurance for Religious Organizations and Churches2.2. Coverage Limits of Errors and Omissions Insurance for Religious Organizations and Churches3. Commercial Property Insurance for Religious Organizations and Churches3.1. Add-Ons of Commercial Property Insurance for Religious Organizations and Churches3.2. Coverage Limits of Commercial Property Insurance for Religious Organizations and Churches4. Business Owner’s Policy for Religious Organizations and Churches4.1. Add-Ons of Business Owner’s Policy for Religious Organizations and Churches4.2. Coverage Limits of Business Owner’s Policy for Religious Organizations and Churches4.3. Can My Religious Organization Business Owner’s Policy Coverage Be Adjusted at a Later Time?5. Tools and Equipment Insurance for Religious Organizations and Churches5.1. Add-Ons of Tools and Equipment Insurance for Religious Organizations and Churches5.2. Coverage Limits of Tools and Equipment Insurance for Religious Organizations and Churches6. Commercial Auto Insurance for Religious Organizations and Churches6.1. Add-Ons of Commercial Auto Insurance for Religious Organizations and Churches6.2. Coverage Limits of Commercial Auto Insurance for Religious Organizations and Churches7. Excess Liability Insurance for Religious Organizations and Churches 7.1. Coverage Limits of Excess Liability Insurance for Religious Organizations and Churches8. Workers' Compensation Insurance for Religious Organizations and Churches8.1. Do Religious Organizations Need to File a First Report of Injury in Workers Compensation?9. Religious Organization Insurance Cost10. Best Religious Organization Insurance Companies10.1. NEXT Religious Organization Insurance 10.1.1. Pros10.1.2. Cons10.2. The Hartford Religious Organization Insurance 10.2.1. Pros10.2.2. Cons10.3. CoverWallet Religious Organization Insurance 10.3.1. Pros10.3.2. Cons 10.4. Tivly Religious Organization Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Religious Organization Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Religious Organization Insurance 10.6.1. Pros10.6.2. Cons

If you are in charge of managing a church or any other religious organization, you will want financial protection from many risks. An employee might be accused of abusing a member. Members might also file a claim against you for negligence or violation of good faith. Start a church or religious organization safely by getting adequate coverage. In this article, we will discuss the insurance policies you will want to include in your own customized church and religious organization insurance policy.

General Liability Insurance for Religious Organizations and Churches



CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit$2,000,000

$1,000,000$2,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$2,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit
$300,000/$1,000,000
$300,000$100,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?NoYesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


A general liability policy can be essential to your religious organization insurance. This policy protects you from various third-party liability claims from incidents involving injury and property. Some examples of when to use this policy include:

  • A congregation member slips and falls in the comfort room

  • A member of your religious organization is sued for slandering a member of the general public during a religious service


Add-Ons of General Liability Insurance for Religious Organizations and Churches

Your religious organization can customize its insurance policy further through the use of policy add-ons that include:

  • Participant accident insurance–Covers members of your congregation if they participate in a group-sponsored event and get accidentally injured or experience an accidental death

  • Tools and equipment insurance–Provides financial protection for business tools and equipment in cases where they get damaged or stolen


Coverage Limits of General Liability Insurance for Religious Organizations and Churches

This type of church liability insurance will have a $1 million per occurrence and $2 million aggregate limit.


Is General Liability Insurance Legally Required for a Religious Organization?

No, religious organizations and other non-profits are not required to purchase business general liability insurance. However, if your religious organization ever plans to form contracts with clients or hire other businesses for services, they may require that you have adequate general liability coverage.


Errors and Omissions Insurance for Religious Organizations andChurches


CoverWalletNEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan be included
Deductible$500$500$500$50/$10,000$500


Errors and omissions insurance for religious organizations covers situations where you or your staff members offer bad advice, negligence, or make mistakes that cause a lawsuit to be threatened against your organization. Some coverages include:

  • A member of your congregation commits misrepresentation against a third party

  • One of your staff leaders fails to perform an official duty, which causes him to get sued for negligence


Add-Ons of Errors and Omissions Insurance for Religious Organizations and Churches

  • Extended reporting period–This gives you more time to file claims beyond your initial errors and omissions policy timeframe

  • Excess liability–Adds additional coverage beyond the normal coverage limit for an existing eros and omissions insurance policy for your religious organization


Coverage Limits of Errors and Omissions Insurance for Religious Organizations and Churches

The errors and omissions insurance for your religious organization will have a coverage of $1 million per occurrence and $1 million in aggregate. Higher limits are available depending on the insurer.

Compare Cheap Church & Religious Organization Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Religious Organizations and Churches


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Building coverage limit (minimum)$50,000$260,000$25,000/$500,000$25,000$60,000
Contents coverage limit (minimum)$50,000$22,000$25,000/$500,000$25,000$60,000
Outdoor signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


Your religious institution insurance will no doubt require a commercial property insurance policy to become comprehensive. This helps you get your religious building repaired when damage is done to it. Examples of this coverage include:

  • A fire engulfs your building, and you must repair structural damage before you can serve your congregation

  • A thief breaks into your building and steals some equipment


Add-Ons of Commercial Property Insurance for Religious Organizations and Churches

  • Flood insurance–In places where floods are common, you may need to purchase an additional add-on to cover flood water damage.

  • Earthquake insurance–Nowadays, many policies will exclude earthquake damage to business property. You will want to purchase earthquake insurance if you feel that the area of your religious building is at risk of an earthquake 


Coverage Limits of Commercial Property Insurance for Religious Organizations and Churches

The coverage limits for this type of church buildings insurance generally will be around $50,000 for the building and $50,000 for the contents. However, actual coverage limits will depend on the value of your business property.