Church & Religious Organization Insurance: Get Quotes

Advertiser disclosure

Your trust matters to us. Always.

We believe everyone deserves access to clear, honest, and unbiased information when it comes to insurance decisions. While we don’t include every provider or product available, we work hard to offer guidance that’s well-researched, accurate, and helpful completely free of charge.

So how do we keep the lights on? We may earn compensation from some of the companies we feature or link to. This can influence which products appear and where they’re placed on our site. However, it doesn’t affect our editorial standards. Our reviews and recommendations are based on thorough research, real-world insights, and a commitment to helping you make informed choices. No partner can pay to receive a favorable review.

Updated: March 26, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

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.That where religious organization insurance comes in.

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, will discuss church insurance, the premium costs and also feature the best companies offering the policy.

General Liability Insurance for Religious Organizations and Churches

CoverWallet  NEXT (Best) Thimble Hiscox The 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
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
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 

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

Errors and Omissions Insurance for Religious Organizations and Churches

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

The errors and omissions insurance for your religious organization will have a coverage of $1 million per occurrence and $1 million in aggregate. 

CoverWallet  NEXT Thimble (Best) Hiscox The 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? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500

 

Commercial Property Insurance for Religious Organizations and Churches

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 thief breaks into your building and steals some equipment

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.

CoverWallet NEXT (Best) Thimble Hiscox The 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 signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded

Compare Cheap Church & Religious Organization Insurance Quotes Online

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

Tools and Equipment Insurance for Religious Organizations and Churches

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0

Tools and equipment insurance for religious organizations protect the tools that you use as part of religious services and any equipment you rely on. Some examples include:

  • The lights of your pulpit got damaged by accident and need to be replaced
  • You bring some sound equipment on a religious trip, which is damaged from a sudden drop

The coverage limits of the tools and equipment policy included in church insurance programs will range between $5,000 and $10,000.

Commercial Auto Insurance for Religious Organizations and Churches

Commercial auto insurance is a policy that protects vehicles used in service of your religious organization. They get protected from liability claims and costs to repair any damage.

Your religious organization’s commercial auto insurance will be made up of several components, which include:

  • Auto liability–Covers the cost of medical treatment on behalf of third parties in case your religious organization’s commercial vehicle causes an accident
  • Collision–Covers vehicle repair costs caused if your religious organization’s vehicle gets damaged due to a vehicular accident
  • Comprehensive–Covers repair costs if your commercial vehicle is damaged by fire, theft, vandalism, and other covered perils 

The commercial property policy of your small church insurance program offers a limit of $25,000 per person injured, $50,000 for all people injured, and $25,000 for all property damage in an accident. 

Rank and Review Insurance Companies

Help others make better decisions

Show more

Workers’ Compensation Insurance for Religious Organizations and Churches

Workers’ compensation insurance pays benefits to employees who get injured while performing their duties. Examples include:

  • A member of your staff develops a chronic neck issue from helping collect donations from the congregation
  • An employee is installing a piece of equipment on the stage but suffers a terrible accident that disables his leg

 

How Much Does Church Insurance Cost?

The average religious organization insurance cost is $35 per month or $420 per year for a $1 million general liability policy. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, location, number of employees, and revenues.  

Cost per Month Cost per Year Deductible
General liability insurance $35 $420 $0-$500
Professional liability insurance $37 $444 $500-$1,000
Commercial property insurance $55 $660 $1,000-$2,000
Business owner’s policy $80 $960 $1,500
Commercial auto insurance $64 $768 $500-$1,000
Tools and equipment insurance $43 $516 $500-$1,000
Workers compensation insurance $78 $936 $2,000-$5,000

Best Insurance Companies for Churches

NEXT

NEXT offers the best overall religious institution insurance options that you need. You get affordable policies that save you more money as you bundle two or more. NEXT has an A- rating with AM Best for its financial security.

Average cost: $22 per month

Our rating: 10/10 

Pros

  • Best overall
  • Issues an online proof of insurance instantly
  • Fastest general liability insurance for churches and religious organizations
  • Great customer service and reputation
  • Excellent rates
  • Outstanding value for money
  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

The Hartford

The Hartford is a long-standing insurer that is a staple in the insurance industry. They offer options for religious associations and nonprofit organizations like general liability, commercial property, and more.

Average cost: $24 per month

Our rating: 10/10

Pros

  • Reliable company that has been in business for over 200 years
  • Excellent user experience 
  • Renowned company for workers compensation insurance

Cons

  • Limited add-ons to general liability insurance

Compare Cheap Church & Religious Organization Insurance Quotes Online

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

CoverWallet

CoverWallet offers insurance options for religious organizations from top carriers. They have a page dedicated to commercial property insurance that helps you get protected through commercial property and general liability policies. 

The company also provides protection from perils like cash embezzlements and robbery

Average cost: $26 per month

Our rating: 10/10  

Pros

  • HNOA coverage automatically included in general liability insurance
  • Provides support for bundling policies
  • Compare quotes online

Cons 

  • Not an insurance company but an insurance broker 

Tivly

Tivly is a digital platform for your religious organization insurance needs. They are accredited by the Better Business Bureau and help you navigate its many partners to get the perfect religious institution insurance care. 

Average cost: $27 per month

Our rating: 10/10 

Pros

  • Flexible religious organization policy options through their partners
  • Solution-centric approach to insurance means you are getting policies that greatly benefit you
  • Compare quotes over the phone

Cons

  • You need to talk with a representative to get a quote

Thimble

Thimble helps your religious organization get covered with policies like general liability, professional liability, and workers compensation. You want to go with Thimble if you want a flexible coverage time and want to get your policy up and running quickly.

Average cost: $29 per month

Our rating: 10/10 

Pros

  • Quikly issues an estimate of your rates
  • Sells general liability insurance as a short-term policy
  • A+ rating from the Better Business Bureau

Cons

  • You can’t reach customer service by calling

Hiscox

Hiscox has the typical policies you will want for your religious organization, but also includes special protection for houses of worship. They cover losses of revenue, legal liabilities, and things like increased security. AM Best rates Hisox an A for financial stability.

Average cost: $31 per month

Our rating: 10/10 

Pros

  • Great general liability coverage
  • Vast underwriting experience
  • Worldwide coverage
  • 14-day money-back guarantee

Cons

  • Online quoting might not be available all the time due to periodic site maintenance

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

Recent Reviews

Recent Posts


Additional Business Insurance posts

Become a voice

Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!