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The Nation’s Leading Insurer of Religious Organizations

Specialized Insurance for Houses of Worship

A calling to serve others is a mission that matters. For more than 125 years, we’ve answered that calling, helping religious organizations protect their people, property and mission.

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Partnering To Elevate Others

The work our customers do goes beyond ministry and our protection goes beyond property. For more than 125 years, we've partnered with and insured organizations that are committed to elevating the human condition.

Agape Church

Dedicated to revitalizing the city, the church has played a pivotal role in downtown redevelopment and fostering a strong sense of community. With a focus on serving others and making a positive impact, Agape Church is committed to building a brighter future for Laurel while nurturing a multi-generational congregation that reflects the diversity of its community.

Knowing what we have with Church Mutual — that gives me a lot of peace.
Dr. James Johnson Hill
Pastor at Agape Church

Insurance Designed for You

By securing tailored protection, you can focus on providing a safe, welcoming environment for worshipers and engaging in community outreach without the concerns of unexpected financial burdens or legal liabilities.

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Property Insurance

Property insurance is essential for safeguarding the physical assets of a house of worship, including the building, sanctuary and valuable items within. In the face of unexpected events, like fires, storms and vandalism, property insurance plays a vital role in ensuring a swift recovery. This enables the house of worship to maintain a secure and inclusive space for worship, gatherings and community outreach.

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General Liability Insurance

General liability insurance protects your sacred space, shielding it from liability claims due to accidents, injuries or property damage. It provides financial coverage for legal expenses and potential settlements, allowing you to focus on your spiritual mission while maintaining a secure and inclusive environment for worshipers and visitors alike.

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Management Liability Insurance

Management liability insurance shields the board members, clergy and staff of your house of worship from personal liability claims tied to the choices they make on behalf of your community. With this protective coverage, your leadership can confidently navigate decisions in the best interest of your organization, promoting trust and transparency among your congregation.

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Employment Practices Liability Insurance (EPLI)

EPLI safeguards your religious organization from claims tied to employment practices, like wrongful termination, discrimination or harassment. By offering financial protection and legal assistance, EPLI helps ensure fair and respectful treatment of staff and volunteers, resulting in a harmonious and inclusive work environment aligned with your values and mission.

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Crime Insurance

Crime insurance offers coverage for losses resulting from theft, forgery or fraud within a house of worship. It protects the organization’s finances, assets and reputation, allowing resources to be directed towards supporting the congregation, providing assistance to those in need and advancing community-based initiatives.

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Cyber Liability Insurance

Cyber liability insurance protects your organization from the rising threat of cyberattacks, data breaches and privacy violations. By safeguarding sensitive information, ensuring data security and mitigating potential reputational damage, cyber liability insurance allows you to maintain your congregation’s trust, protect their spiritual community and continue their digital outreach efforts with confidence.

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Request your personalized house of worship quote

Manage your unique risks

Along with comprehensive insurance, you’ll have access to risk management resources tailored to the unique challenges your organization may face. Together, we’ll navigate potential obstacles, ensuring your house of worship remains a sanctuary of peace, growth and spiritual fulfillment.

Insurance FAQs for houses of worship

Learn more about the importance of specialized insurance and how it can safeguard your sacred space, congregation and community.

Does our house of worship need insurance coverage?

Yes, it is recommended for houses of worship to have insurance coverage to protect against potential risks and liabilities that may arise, such as property damage, theft, accidents or lawsuits.

What types of insurance should a house of worship consider?

A house of worship should consider obtaining general liability insurance to cover accidents or injuries on the premises, property insurance to protect against damage to buildings or belongings and management liability insurance to safeguard against lawsuits related to leadership decisions.

How often should we review our insurance policy?

It is recommended to review your insurance policy annually or whenever there are significant changes in your house of worship's operations, property or activities. Regularly assessing your coverage ensures that you have adequate protection and can make any necessary adjustments based on evolving needs.