Insurance for Churches and Religious Organizations

Directors and officers insurance provides crucial protection for every church's board of directors. Here are a few reasons why your church needs D&O insurance:

• It pays for lawsuits against your board. If a board member makes a poor investment or other decision that causes a financial loss, D&O insurance can help pay for legal costs if they're sued.
• Board members may require it. Some individuals may refuse to join your board of directors if you’re uninsured. They want to know they can make decisions for your church without worrying about out-of-pocket legal expenses.
• It helps attract talent. Providing D&O insurance to your board members and elected officers shows them your church is reliable, and helps attract talented individuals to fill these roles.

Some insurance companies offer a discount when you bundle D&O insurance with other types of management liability insurance, such as employment practices liability insurance.

Small places of worship face a wide range of risks depending on their operations and activities. The following policies help complete your church's risk management plan and protect against specific risks such as data breaches, employee theft, and auto accidents:

• Business interruption insurance: If your church is forced to close temporarily due to a fire or other covered property claim, this policy will help cover lost revenue and daily operating expenses until you can reopen.
• Commercial auto insurance: This policy covers the cost of an accident involving a vehicle owned by your church, as well as property coverage and vandalism. If your church staff relies on personal, rented, or leased vehicles, look to hired and non-owned auto insurance (HNOA) instead.
• Cyber insurance: This policy helps your church recover financially after a data breach or cyberattack. It helps pay for data breach notification costs, cyber extortion payments, and similar costs.
• Commercial crime insurance: Crime insurance refers to several types of coverage. You can get a property insurance endorsement to protect your business against theft, or a fidelity bond, which provides reimbursement if an employee steals from a client.
• Commercial umbrella insurance: This policy boosts the protection of your underlying liability insurance coverage, such as general liability, commercial auto, and employer's liability insurance (part of workers' compensation), when they reach their limits on a claim.

Our licensed insurance agents can help you choose policies that match your insurance needs, comply with state laws and other requirements, and save money on coverage.