Property / Liability Insurance
Your ministry is unique. Your insurance protection should be too. Our Property and Liability coverages were designed for churches and related ministries. They allow ministry leaders to focus more on advancing their ministries than stressing over the would-be risks that affect today's ministries.
Built for how your ministry serves
Church and other non-profit ministries Insurance
How many businesses do you know that need to think about injuries brought on by a youthful game of blindfold tag, or the possibility of lightning striking their building's steeple? Most often, those concerns are unique to church and ministry leaders, not business owners. Brotherhood Mutual understands the unique needs of ministries because many of their own people are leaders and lay people in their church. With coverages like Religious Freedom Protection, Worldwide Liability, and Security Operations, we are equipped to protect the church from what lies ahead.
What this protection can include
Property Endorsements
Liability Protection Endorsements
Product Overview
Whether you have a small country church or a large church, we have a product specifically designed for your ministry. Our MinistryFirst product is a comprehensive program designed to cover larger ministries. Ministry Essentials provides fundamental coverage for smaller ministries. See below for an overview of each program.
Resources
Forms, checklists, and guides related to Property / Liability coverage.
Frequently asked questions
Who is Property and Liability coverage designed for?
Pierce-Carter Agency places Property and Liability coverages for churches and related ministries. The goal is straightforward coverage for the risks that show up in church and ministry work.
What kinds of ministries can be covered?
Coverage options can address churches and other non-profit ministries, Christian schools, and Christian camps, including exposures that a typical business policy may miss.
What property endorsements may be available?
Examples listed on the product page include Broadened Valuation, Combined Law and Ordinance Coverage, Water Damage Coverage, Income, Extra Expense, and Donation Coverage, Limited Earthquake Coverage, Worldwide Coverage Territory, Ministry Personnel Dishonesty Coverage, Equipment Breakdown Coverage, Clergy Personal Contents Coverage, and Terrorism Coverage.
What liability protection endorsements may be available?
Examples include Religious Freedom Liability Coverage, Membership Emotional Injury Liability, Directors' and Officers' Liability, Sexual Acts Liability, Employment Practices Liability, Broad Scope Cyber Liability, Worldwide Liability and Medical, Security Operations Liability, and Athletic, Student, and Premises Medical Coverage.
What is the difference between MinistryFirst and Ministry Essentials?
MinistryFirst is a comprehensive program designed to cover larger ministries. Ministry Essentials provides fundamental coverage for smaller ministries. Overview documents for both programs are available on the product page.
Does coverage account for Christian school equipment?
Yes. School coverage can account for school supplies and equipment, including vehicles, science lab instruments, athletic gear, and more, whether you insure a small building, a facility lease, or a larger campus.
Can camp activities be considered?
Camp coverage can address buildings, lakeside sites, and activities such as rope courses, paintball, or waterslides, with options that can include Religious Freedom, Directors and Officers, Traumatic Incident, and camper medical pay.