Coverage From Coast to Coast

Ministry Insurance specializes in serving churches, schools, and non-profits in all 50 states.

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Church Insurance

Protect your house of worship.

School Insurance

Safeguard your school and students.

Non-Profit Insurance

Secure the future of your organization.

Learn About Ministry Insurance

Dedicating your attention to your church, school, or non-profit all help spread your mission and message throughout the community. Ministry Insurance thinks your focus should stay on what you do best. That’s why our focus is to provide insurance coverage for churches, schools, non-profits, and more throughout all 50 states.

Churches, schools, and non-profits all have needs and liabilities when it comes to insurance, which is why Ministry Insurance is here to help. We can help you find a plan that caters to the needs of your organization, whether you are beginning your journey or you are established. Our commitment to customer service means we’ll be here to answer your questions and concerns about your insurance policy, no matter how big or small. Contact us today to find out more.

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Insuring All 50 States

Headquartered in Lake Mary, FL, we are proud to serve our local communities and beyond across the United States. So no matter where your organization is or where you live, we are here to serve you.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Our Partners

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Get Covered Today

Ministry Insurance offers a variety of insurance by industry solutions to help you protect what matters most.

An Independent Agency Gives You Options

We proudly represent Chubb, CNA, Hanover, and more!

Christian Sharing Ministry Plans

Health cost sharing is a way to satisfy your healthcare costs and help fellow Christians while upholding your Christian beliefs and sticking to your budget. Contact us today to learn more about the plans we offer.

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Church
Stained Glass Insurance
Risk Factor

Stained glass is often very valuable and sometimes priceless. Several hundreds of thousands of dollars might be needed to refurbish the stained glass. If it’s damaged by vandalism, hail, fire, or other means, it can be very costly to fix. Finding a qualified contractor may also be challenging.

Solution

Depending upon your insurance coverage, an appraisal of your stained glass damage could be free of charge. In addition, consider including the value of the stained glass in the building limit of the church, and also include coverage under the church’s blanket limit. Some insurance companies may treat stained glass as part of a fine arts floater. Either way, this helps ensure the proper coverage in the event that something bad happens.

Abuse and Molestation Insurance
Risk Factor

There are hundreds of reports each year of people being sexually abused by clergy, church staff, volunteers, and congregation members. Countless more are abused without any report being made.

Solution

Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.

Non-Owned Auto Insurance
Risk Factor

Church volunteers and employees often use personal vehicles to do work for the church.

Solution

Make sure to add hired and non-owned auto coverage to the church’s insurance policy to cover this exposure. Also, check the motor vehicle records for anyone who drives other members…especially kids.

Religious Freedom Insurance
Risk Factor

Churches sometimes have very closely held beliefs that may open them up to potential lawsuits in the event the church’s beliefs cause someone else to feel wronged. An example might be a church refusing to perform a same-sex marriage, which results in a lawsuit.

Solution

Consider adding religious freedom coverage. This insurance can protect the church in the event it is sued because of closely-held beliefs core to the church.

Directors and Officers Liability Insurance (D&O)
Risk Factor

Almost all churches have some form of board of directors that makes financial and operational decisions on behalf of the congregation. An organization once sued a church for improperly using their trademarked property while promoting a fundraising event. The total loss and defense costs totaled $400,000.

Solution

Directors and officers liability insurance protects the decision-makers of the church from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the church’s D&O policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.

Church Roof
Risk Factor

Roof claims are the most common claims that churches face. Each year, billions of dollars of damage are typically paid as a result of storm damage.

Solution

Ensure you have the proper coverage and confirm that you are insured to full replacement value. In addition, make sure your insurance policy includes replacement cost coverage for roof claims for wind and hail.

Church Security
Risk Factor

Security in churches is becoming a larger issue as attacks have increased in recent years.

Solution

Every church should have a security plan. This plan should detail where parishioners go in the event of an emergency, which entrances are open during worship times, who should contact the authorities, how to spot someone who may pose a security risk, and how to react to someone who is trying to cause harm to parishioners.

Professional Liability Insurance
Risk Factor

Religious Leaders often find themselves giving counseling to couples or other church members. In addition, religious leaders could be at risk of a lawsuit for what they say in the pulpit.

Solution

When it comes to counseling, religious leaders should have clear guidelines on what is acceptable in a counseling situation. In addition, religious leaders should be trained to know what needs to be reported to the authorities in the event of an extreme situation. Adding professional liability coverage to your church’s insurance policy can help protect the religious leader and church from claims or lawsuits arising from what the religious leader says at the pulpit or when teaching or preaching.

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Already a client of Ministry Insurance? Visit our Service Center to make requests and manage your insurance.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to Ministry Insurance.

“I have the utmost respect for Louis and trust him to serve his clients with integrity and sincerity. His service and follow up have been excellent.”

Lynn H., Financial Manager

“As a former president of a local fully accredited Christian College, I found Louis to be knowledgeable concerning all insurance as it pertains to higher education and the non-profit world.”

Bill B.

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