Church Insurance provided by Browne Insurance Services

Churches, synagogues, mosques and temples are much more than just buildings. They are sacred spaces that carry great meaning to all who gather there for prayer, community, connection and spirituality. It is for these reasons that the places of worship must take steps to provide safe spaces for occupants and mitigate risk on their properties.
What is Church Insurance?

Church Insurance is protection designed for the unique coverage needs of churches and other religious organizations. Whether you need insurance to protect your church property, employees or vehicles, choosing the right coverage is vital to ensure that your organization remains healthy financially.

Common church insurance coverages

General Liability – A common coverage for churches. It protects against a variety of situations such as a worshipper becoming injured on a slippery floor.

Business Owners Policy (BOP) – Offers both liability coverage and protection for your church building and property.

Commercial Auto – Liability and physical damage coverage for church vans, busses or other vehicles used in your organization. This can include vehicles used for charity events, running errands and transporting passengers.

9 Key Risk Areas Places of Worship Face

Good risk management starts with asking tough questions about your ministry’s practices and operations. Here are nine areas to consider when developing a risk management plan for your church:


Do you use a paging or other system to ensure children return only to authorized parents? Do you do a background check on all of your workers and volunteers?

Fire Protection

Does your church have a fire alarm system and fire extinguishers readily available? Are your fire sprinklers maintained?


Does your church (or the individual counsellors) carry professional liability insurance? Do you have a policy that covers counselling activities?

Finances/ Payroll

Are dual signatures required for all checks above small amounts?   Does your church file the appropriate tax forms for all employees, including W-2s and 1099s?


Does your church have an electronic security system in place? Do you have a strictly enforced key monitoring system? Do you have adequate lighting around your doors, parking lots, and at the rear of your buildings?

Church Employees

Do you have up-to-date hiring policies? Do you provide ongoing training? Do you have a sexual harassment policy?

What does it cost?

The cost of your church insurance depends on the specific features and needs of your organization. Common factors that influence your church insurance rate include:

  • Coverage needs
  • Your location
  • Claims history
  • Your vehicles
  • Employees
  • And more

Finding the best deal for coverage is always a priority for the cost-conscious consumer, and religious organizations are no different. While getting the cheapest church insurance may save you money in some cases, it could lead to inadequate coverage if you don’t do your research.

Our team of experts can help find balance by tailoring a policy that meets both your budget requirements and needs without sacrificing quality or security with our expertise.

Talk to us today so you can be sure that everything is covered and no stone has been left unturned in our search for the best coverage!

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As an independent agency, Browne Insurance Services
Helps you find the right Church Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • General Liability
  • Commercial Property
  • Commercial Auto
  • Worker’s Compensation
  • Pastoral Professional Liability

General Liability Coverage

Risk Factors

A churchgoer trips on your broken stairs, he breaks his arm. You need to pay for medical his expenses.


Your general liability policy would cover the medical expenses or any other expenses you are liable to pay.

Commercial Property Coverage

Risk Factors

When the candles in your church starts a fire and spreads throughout the church damaging furniture and other appliances.


Your commercial property insurance would help you cover the costs of repairs and damages to your church property.

Commercial Auto  Coverage

Risk Factors

If any of your company vehicles are involved in an accident, you have to pay for third-party bodily injury, property damage, or pollution cleanup.


Commercial Auto policy would cover any expense for the medical care of the other driver and repair his property

Worker’s Compensation Coverage

Risk Factors

While carrying a heavy equipment, your employee injures himself. He needs medical care and cannot work until he recovers.


Workers’ compensation would pay for his medical bills and a portion of lost income while he recovers and is unable to work. 

Pastoral Professional Liability Coverage

Risk Factors

A couple claims your failure to provide spiritual guidance led to their divorce


Pastoral professional liability insurance covers this by paying for your legal defense, including lawyer’s fees, court costs, and court-ordered awards or settlements.

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