Insurance for Houses of Worship
Houses of worship face the intersection of older building property exposure (high replacement costs, deferred maintenance, stained glass, pipe organs), sexual misconduct and abuse liability (the central underwriting question post-2020), volunteer injury coverage, and board/elder D&O. The carrier market for abuse coverage has contracted, and placement requires working with carriers still actively writing religious organizations. We place property, GL, abuse/misconduct liability, D&O, volunteer accident, workers’ comp, and special event coverage. See also our Religious Organizations sub-vertical page. Contact us to review your program.
Focus on your mission, we’ll transfer the risk.
Our Houses of Worship insurance program provides you with access to the nation’s leading insurance carriers for coverage including property damage and liability. We understand that the needs of each House of Worship are unique, so we tailor our coverage to meet your specific requirements.
Comprehensive house of worship insurance offerings include:
- Abuse & Molestation: Coverage for allegations of abuse or molestation by employees, volunteers, or members of your House of Worship that can lead to costly litigation and public relation expenses
- Auto Insurance: Coverage for vehicles owned by your House of Worship
- Cyber Liability: Coverage for data breaches, cyber extortion, and other cyber-related losses
- Directors & Officers Liability: Coverage for claims arising from the wrongful acts of directors and officers
- General Liability: Coverage for bodily injury or property damage caused by your organization’s negligence
- Pastoral Liability: A form of professional liability insurance that guards pastors/religious leaders and their churches/organizations. Religious leaders aim to offer sound advice to their congregation, however, some members may feel you’ve unintentionally affected their life in a negative way
- Professional Liability: Coverage for claims arising from errors or omissions in the performance of professional services
- Property Damage: Coverage for physical damage to your building and its contents caused by fire, wind, hail, lightning, theft, vandalism, and other perils
- Workers’ Compensation: Coverage for medical expenses and lost wages resulting from workplace injuries or illnesses
At our agency, we understand the unique risks associated with Houses of Worship and are committed to providing you with the best coverage at the most competitive rates. Contact us today to learn more about our Houses of Worship insurance program and how we can help protect your organization.
Contact ZRM Brokerage to get started now.
What is Pastoral Liability Insurance?
This insurance covers the advice and recommendations provided by religious leaders to your congregation, whether it’s related to marriage, work, drugs or anything else.
Pastoral Liability Insurance is essential to provide protection in the event of a lawsuit against both the organizational leader and house of worship.
Do houses of worship need cyber liability?
As the fastest growing risk for all organizations, houses of worship absolutely require cyber liability to protect their congregational data, finances and reputation.
