⛪ Churches & Religious Orgs

Church & Religious Organization Insurance

Insurance for churches, mosques, synagogues, temples, and religious organizations across Arizona. Protect your congregation, leaders, property, and programs.

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📋Same-day certificates

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Unique Risks We Address

Every churches & religious orgs faces specific risks. We make sure you're covered.

Congregation injuries

Youth program misconduct

Counseling liability

Property damage (fire, vandalism)

Vehicle liability (church vans)

Volunteers abroad

Wedding/event liability

Employment practices

Coverage Options

Recommended Coverage

Tailored insurance products for churches & religious orgs operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

Premises liability
Operations coverage
Personal & advertising injury
Medical payments

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Abuse & Molestation

Critical coverage for organizations serving vulnerable populations — covers allegations of abuse or misconduct.

Abuse allegations
Investigation costs
Defense expenses
Background check gaps

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Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

Building coverage
Contents & equipment
Business interruption
Valuable papers

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Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

Wrongful acts defense
Employment claims
Breach of duty
Regulatory actions

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Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

Service delivery errors
Advice & counsel claims
Program failures
Referral liability

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Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

Medical expenses
Lost wages
Rehabilitation
Employer liability

Frequently Asked

What insurance does a church need?

At minimum: General Liability, Property, and Abuse & Molestation. Churches with youth programs, counseling services, or staff should also carry D&O, Professional Liability, and Workers' Compensation.

Does abuse coverage apply to youth volunteers?

Yes. Abuse & Molestation coverage protects the organization against allegations involving any volunteer or staff member. It's critical for churches with children's ministry, youth groups, or nursery programs.

Is pastoral counseling covered?

Professional Liability covers claims arising from pastoral counseling, including allegations of harmful advice, boundary violations, or failure to refer to a licensed professional.

What about our church van?

You need Commercial Auto or Hired & Non-Owned Auto insurance. Personal auto policies do NOT cover vehicles used for church business. This is one of the most common coverage gaps for churches.