Church Liability Insurance

Church Liability Insurance

Church Liability Insurance Made for Your Ministry

Focus on what’s most important without unexpected risks disrupting your mission. Church insurance coverage can help protect your ministry from the unique risks.  Get the protection you need from our partner, Tivly.
 
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Church Liability Insurance
insurance for churches

Why Do You Need Church Liability Insurance?

From hosting community events to welcoming new guests every week, churches face unique risks. With the right business insurance coverage, you can serve your congregation confidently, even when unexpected issues happen.
church insurance coverage

Who May Need Church Liability Coverage?

 
  • Churches
  • Religious organizations
  • Faith-based community centers
  • Nonprofit religious groups
  • Youth ministries
  • Church camps
liability insurance for churches

What Type of Insurance Do I Need for a Church?

Many churches have a Business Owner’s Policy (BOP). It provides three coverages in one policy and can help protect a church from claims of bodily injury or property damage.
A BOP combines these three essential types of coverage into a single policy: 
 
In most cases, you can add additional coverages to your BOP to get more protection for your church. Our partner, Tivly, can give you a quote and ensure you have the right type of insurance for churches.

Covering Your Operations

Having the right insurance coverage for churches is important to lead your congregation confidently. We’re here to help you serve your community without having to worry about unexpected costs or setbacks.
One million ER visits every year are due to slip-and-fall incidents.1
General Liability Insurance for Churches

General Liability Insurance

“One of our members was rushed to the hospital after she slipped on the altar stairs and injured her back.”
 
General liability insurance helps cover claims that your church caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance for Churches

Employment Practices Liability Insurance

“I had to let go of our office clerk because of budget cuts. I was shocked when he sued us for discrimination.”
 
Employment practices liability insurance helps protect your religious organization from employment-related claims. This includes harassment, discrimination and wrongful termination. .

Taking Care of Your Team

You rely on your staff to help keep your church running smoothly. And you may not even realize the risks they face as they work. That’s why having workers’ compensation insurance for religious organizations is essential. It can help protect your employees when those risks become reality.
There were three million workplace injuries in the U.S. in 2022.2
Workers’ Compensation Insurance for Churches

Workers’ Compensation Insurance

“One of our janitors tripped on a power cord and sprained his ankle. He couldn’t work for a few weeks while it healed.”
 
Workers’ compensation insurance gives your employees benefits if they get a work-related injury or illness. It can help pay for their medical bills, ongoing care costs or replace lost wages if they can’t work. 
Commercial Auto Insurance for Churches

Commercial Auto Insurance

“One of my employees was driving the church van to pick up members when he lost control and crashed into a guardrail.”
 
Commercial auto insurance helps protect you or your employees when driving a church-owned vehicle for work.

Protecting Your Property

You rely on your property to help run your church. From chairs to instruments to books, church property insurance helps protect your property if it gets damaged or lost.
About 23% of hate crimes in 2023 were driven by a religious bias.3
Commercial Property Insurance for Churches

Commercial Property Insurance

“When a large storm hit our town, the roof of our church leaked, and the repair bill was very high.”
 
Church property insurance, or commercial property insurance, helps protect the owned or rented equipment, tools, building and furniture you use to operate your organization.
Business Income Insurance for Churches

Business Income Insurance

“Someone broke into our church, vandalized the stage and started a fire inside the auditorium. We had to close while repairs were made.”
 
Business income insurance can help you continue to pay ongoing expenses if your church or religious organization can’t operate due to damage from fire, theft or wind. 

Get Insurance for Religious Organizations

Your church or religious organization has an important role in your community. The right type of church liability coverage can ensure you’re able to keep your doors open if the unexpected happens.
 
 
Get a quote today from our partner, Tivly, which can work with you to determine the specific coverage you need.

Frequently Asked Questions About Church Liability Insurance

The cost of liability insurance for churches varies. Religious organizations and churches face different risks, so insurance needs aren’t always the same. Insurers also use different factors to determine costs, such as location and claims history. The best way to find out how much liability insurance for churches costs is to get a quote from our partner, Tivly.
Church liability insurance helps protect your organization from claims of bodily injury or property damage related to your work or your premises. Whether a member slips on site or you're sued by an employee, your insurance can help cover medical expenses and potential legal costs. Church property insurance also provides protection for tools, vehicles and other equipment critical to running your congregation.
Your church needs insurance, because it helps cover the costs associated with property damage and liability claims. Without church insurance, liability costs can add up, and your church would have to pay out of pocket for expensive legal claims and damages. In some cases, an employee lawsuit or parishioner claim could financially devastate your religious organization. Additionally, certain types of insurance may be required by state law.
You can get a free quote online from our partner, Tivly. They’ll work with you to understand your church’s needs and can get you the right insurance.
insurance coverage for churches

Learn More About Church Liability Insurance

Our partner, Tivly, can help you get the protection you need to safeguard your congregation.
 
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Last Updated: February 28. 2025
 
1 National Floor Safety Institute, “Slip and Fall Quick Facts”

2 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses”

3 U.S. Department of Justice, “2023 Hate Crime Statistics”
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