Religious Organizations and Church Insurance

Spotlight on: Faith-Based Institution Insurance

Your role as a cornerstone of your community can provide tremendous engagement, but that can come with trials and challenges.

Whether you operate a synagogue, temple, mosque, church or another place of worship, you have your members’ best interests at heart, and you deserve an insurance partner with that same commitment to you.

That’s why, at Higginbotham, we tailor our insurance solutions for churches and religious organizations to meet the needs of each one we serve. We work tirelessly to deliver year-round value, allowing you to focus on serving your congregation and community.

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Our coverage options include:

General and Professional Liability
Commercial Auto Insurance
Commercial Building Insurance
Sexual Misconduct and Molestation Liability
International Operations
Emergency Events and Special Events
Student Accident Insurance

The Higginbotham Difference: When Your Broker is Here to Serve

With humanity, without compromise.

Employee-owned and customer-inspired, we lead with values so you can lead with confidence.

From standard property risks like fires and slips and falls to more complicated issues involving misconduct and abuse, there are countless things to consider when designing an insurance policy for your faith-based institution.

That’s why our seasoned faith-based institution insurance specialists take the time to get to know you by name, need and nuance.

Committed to transparency and authenticity, we know that when we lead with values, value leads.

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Coverage Options for Faith-Based Organizations

While the insurance needs of each faith-based institution vary based on location, risk exposure and operational specifics, here are some of the most common faith-based institution insurance coverages.

While these options represent some of the more common faith-based organization coverages, it’s crucial to work with a broker that knows the markets and takes the time to understand your operation before placing coverage.

General Liability Insurance

Liability insurance is important for almost all business owners and organizations, including churches and other faith-based organizations. General liability insurance is designed to help mitigate financial risks by paying for injuries and property damage sustained by third parties on your property. This coverage can assist with legal fees, settlements, judgments and more in the aftermath of a covered incident.

Special Events

If your faith-based organization hosts community gatherings, fundraisers or other public events, a standard general liability policy may fall short of providing adequate coverage. From dances to festivals and everything in between, this specialized coverage can help with the costs of property damage or injuries sustained at your event. Special events insurance can also include coverage for lost deposits and other fees if you cancel an event at the last minute.

Sexual Misconduct and Molestation Liability

Considering that churches and faith-based institutions often work with vulnerable populations within their congregation and outside ministry, sexual misconduct and physical abuse coverage is wise for a religious organization to consider. This specialized insurance can help with the costs of responding to allegations of sexual abuse. And, if you conduct a licensed youth camp, Higginbotham can help you navigate this highly regulated risk with compliance and prevention services.

Directors and Officers (D&O)

Directors and officers coverage is designed around the liability involved with serving as a director or officer of a business, non-profit or other organization, such as a religious organization. Directors and officers insurance can help safeguard individual church leaders from financial loss due to a lawsuit and help to cover legal fees and related costs your organization may incur due to a lawsuit.

Commercial Building Insurance

Also known as commercial property insurance, this coverage can help protect your property, buildings and the assets stored within. From broken stained-glass windows to weather damage and more, commercial property coverage can help you get back to normal in the wake of a fire, storm, vandalism or other peril.

International Operations

If your faith-based organization sponsors international outreach activities, you should consider adding international operations coverage to your insurance policy. International operations insurance can help limit your liability and cover the costs of lawsuits filed against your organization abroad.

Commercial Auto

If your faith-based organization owns or operates buses, vans or other vehicles, you may need commercial auto insurance. Like your personal auto policy, this coverage can help pay for property damage and bodily injury sustained by an employee-involved accident.

Student Accident Insurance Coverage

Student accident insurance can help with the costs of a student injury sustained on a field trip, special event or other faith-based organization-sponsored activity. Picking up where general liability coverage ends, student accident coverage can pay medical bills, legal fees, settlements and more.

Ready to work with an agency who cares as much as you do?

The risks faced by a faith-based organization can stifle your good work.

That’s why we help clarify your options and turn your uncertainty into opportunity. With our deep nationwide insurance carrier relationships and experience with faith-based institutions, we help get the custom coverage you need.

Because while insurance is our something, our customers are our everything.

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Risk Management Plans Built for You

Beyond fulfilling your insurance needs, we’re committed to supporting your risk management efforts throughout the term of your policies, serving as a go-to resource for mitigating risk and limiting liability holistically.

Our in-house subject matter specialists provide support from the day we place your coverage to the day your policy comes up for renewal. It’s what we call Day Two Services®.

We also provide an annual service timeline, so you know what to expect and when to expect it.

No matter your needs, Higginbotham is here 365 days a year to serve you. We treat each new client as a partner and each new policy as a partnership.

We can assist with risk management strategies in areas like:

Accident Investigation
Emergency Evacuation
Transportation Safety
Facility Security
Abuse Risk
Employee Screening

Insurance for Churches and Religious Organizations