Church & Religious Organization Insurance
Protecting places of faith and the people who serve them.
Churches and religious organizations face unique risks that standard business policies don't address. From pastoral counseling liability to protection during youth activities, you need coverage designed specifically for ministry. We work with carriers who specialize in religious organization insurance.
Get a Church Insurance Quote
We'll review your organization's needs and provide tailored coverage options
Religious Organizations We Serve
Churches & Chapels
Traditional worship facilities of all denominations
Synagogues & Temples
Jewish, Buddhist, Hindu, and other faith communities
Mosques
Islamic worship centers and community spaces
Religious Schools
Sunday schools, religious education programs, and day schools
Camps & Retreat Centers
Youth camps, retreat facilities, and conference centers
Mission Organizations
Domestic and international mission operations
Coverage Options for Religious Organizations
Property Coverage
EssentialProtects your building, contents, religious artifacts, organs, sound systems, and other property from fire, storm, theft, and vandalism. Includes replacement cost for sacred items.
Learn more about property coverageGeneral Liability
EssentialCovers bodily injury and property damage claims from third parties. Essential for slip-and-fall injuries, food poisoning at church dinners, or damage during activities.
Learn more about general liabilityPastoral Professional Liability
EssentialProtects clergy and counselors against claims from pastoral counseling, spiritual advice, or professional services. Covers defense costs even if allegations are unfounded.
Learn more about pastoral professional liabilitySexual Misconduct Liability
EssentialProvides defense and liability coverage for allegations of sexual misconduct by staff or volunteers. Includes crisis management and counseling costs.
Learn more about sexual misconduct liabilityDirectors & Officers Liability
EssentialProtects board members, elders, deacons, and church leadership from claims of mismanagement or breach of fiduciary duty.
Learn more about directors & officers liabilityEmployment Practices Liability
Covers claims of wrongful termination, discrimination, harassment, or other employment-related issues from staff members.
Learn more about employment practices liabilityVolunteer Accident Coverage
Medical expense coverage for volunteers injured while serving the organization, regardless of fault.
Learn more about volunteer accident coverageWhat We'll Need to Know
To provide accurate quotes, insurance carriers typically ask about:
Real-World Claims Examples
Understanding how coverage works when you need it most:
Slip and Fall During Service
An elderly member slips on wet steps after a rainstorm and breaks her hip. General liability covers medical expenses and potential lawsuit.
Counseling Malpractice Claim
A congregation member claims the pastor's marriage counseling made their situation worse. Pastoral professional liability provides defense.
Youth Group Vehicle Accident
A church van is involved in an accident during a youth trip. Commercial auto covers vehicle damage and occupant injuries.
Theft of Sound Equipment
Expensive audio/visual equipment is stolen from the sanctuary. Property coverage replaces the equipment at replacement cost.
Food Poisoning at Church Dinner
Multiple attendees get sick from undercooked food at a potluck. General liability covers medical expenses and potential claims.
Let's Protect Your Ministry
Every religious organization has unique needs. Let's discuss your situation and find coverage that protects your mission, your people, and your property.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV