Risk Management

The leadership in every church wants to act responsibly regarding the stewardship of the resources, property and other gifts God has entrusted to their organization. Making sure the congregation and the resources of the church are properly insured is responsible stewardship.

In the uncertainty of today’s world, a comprehensive church insurance policy is absolutely essential to protect your organization against the financial consequences of property damage caused by disasters, as well as accidents, injuries, vandalism, theft and other losses. Without adequate coverage, your church could be exposed to potentially devastating cost.

While most churches have some form of insurance, how do you know if the coverages you have selected are adequate for your church's needs and if you are working with the right insurance company? Because churches can purchase insurance from several different carriers and because they face many different risks, a typical commercial insurance policy may not be adequate. To make sure that your church is protected to its fullest, it makes sense to work with a company that specializes in the church market. Companies that focus on insuring religious institutions will likely have more knowledge and experience and a greater understanding of your church's overall needs.

The PDF resources below are intended to assist you in being better informed about church insurance and thereby more prepared to make decisions about the types of coverages and the church insurance company and agent that will best fit your church's needs and exposures.