Insurance Analysis

Church Insurance

Church Property Coverage

Property coverage includes items such as buildings, their contents, signs, additional land, and fences. Standard policies typically include coverage for all of the following:

  • The breakdown of equipment, including computers, boilers, and electrical equipment
  • Newly acquired, personal and off-premise property
  • Personal property of the pastor
  • Ordinance or law construction losses
  • Stained glass windows
  • Indirect losses

For even greater protection, your church may elect to add the following endorsements to your policy for modest charges:

  • Crime coverage – Protection against losses resulting from theft, employee dishonesty, forgery and alteration
  • Inland marine – Coverage for property that might require transporting from one place to another, as well as unique types of property and possessions of artistic merit

Church Liability Coverage

General liability coverage protects the church against the following:

  • Claims of bodily injury and property damage arising from events on church premises or at other operations where the church may be legally liable
  • Its liability for personal and advertising injury offenses, such as libel and slander
  • Medical expense coverage, regardless of fault
  • Claims resulting from ministers' spiritual counseling

A wide variety of optional coverage options are also available, such as:

  • Non-owned and hired auto liability
  • Directors, officers, and trustees officers liability
  • Employment practices liability
  • Sexual misconduct liability
  • Employee benefits liability


Protected individuals under general liability protection include church members, employees, officials, staff, and volunteers acting on behalf of the church.

Keystone Insurers Group is experienced in helping churches tailor insurance coverage to meet their specific needs and budgets.  Call us today discover why our expertise makes a difference - 814-629-5607.

This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages.