Church insurance from an agency that only serves ministries
MinistrySure is an independent insurance agency built to serve Georgia's churches, schools, and faith-based ministries.
Trusted by 700+ Georgia Ministries
Both owners are Brotherhood Mutual Agents of the Year
"Matt, Gabe, and Samantha were very helpful in getting our church exactly the coverage we needed. Having an agent who understands the unique needs of churches is invaluable!"
"Ministry Sure takes care of our church wonderfully. We are not just a number to them."
"First and foremost, Ministry Sure deserves a ten star rating!! Their customer service is the best in the business."
"Ministry Sure has taken care of our insurance needs for a while. They get our 'church needs' and are very responsive."
Why Churches Choose Specialized Agencies
Large commercial brokers serve everyone. We serve only ministries. The difference shows up when you need us most.
The Personal Attention Advantage
Direct Access to Your Agent
When you call, you reach someone who knows your church by name, not a customer service queue. Your renewal is handled by the same team that wrote your original policy.
Ministry-Focused Expertise
Our agents understand pastoral liability, volunteer coverage, and church operations because that's all we do. We don't learn about churches on the job—we start with that expertise.
Specialized Carrier Access
We bring Brotherhood Mutual and other ministry-specific carriers that many large brokers don't offer. These policies include church-specific protections that commercial policies often exclude.
When Your Coverage Matters
The difference is personal attention. In a large brokerage, your church coverage review gets 30 minutes with whoever's available. With a ministry specialist, it gets dedicated attention from someone who already knows your congregation's unique needs.
The MinistrySure Difference
- • 700+ Georgia ministries served exclusively
- • Both owners are Brotherhood Mutual Agents of the Year
- • Our staff dedicated solely to church insurance
- • Local Georgia agency with ministry-only focus
Different backgrounds. Same purpose. Protecting yours.
Meet the team →You don't need to know insurance. You just need the right team.
If you're the person at your church or school who ended up with insurance on your plate — welcome. You're in the right place.
We know how this usually goes. The board wants answers. The pastor has priorities. Volunteers have opinions. And somehow, you're the one sorting it all out — on top of everything else you're already doing. You might not even know what kind of insurance your church needs, how much church insurance should cost, or whether your current church insurance coverage is enough. That's okay.
MinistrySure is a church insurance agency that only works with ministries — churches, Christian schools, and faith-based organizations across Georgia. It's not a sideline — it's all we do. That means we already know what coverage your ministry needs before you have to figure it out yourself.
A team built to serve churches.
Every person on our team was hired to serve churches — it's the only thing we do. Georgia ministries face risks that general insurance agents don't think to ask about: volunteer injuries, counseling liability, aging roofs, vehicle accidents on mission trips, and employment disputes. From church property insurance to workers' comp, D&O coverage, and abuse prevention — we know what Georgia churches need because ministry insurance is all we've ever done.
A coverage review in four steps
No obligation. No pressure. Just a clear look at whether your ministry has the right protection.
Ministry Conversation
We start with a conversation — not a sales pitch. We learn about your mission, your buildings, your people, and how your ministry operates day to day.
Gather Key Details
We collect your current policies, loss history, building details, and programs. You can share these through our secure portal or send them directly.
Compare Specialized Carriers
We review carriers like Brotherhood Mutual and Insurance Board who specialize in ministry coverage — evaluating protection and value, not just price.
Review Your Quote Comparison
We present a clear, side-by-side comparison your leadership team can understand — with our recommendations so you can make a confident decision.
Why Georgia ministries choose MinistrySure
We only do ministry insurance
No commercial accounts. No personal lines. Every policy we write is for a church, school, or ministry.
A dedicated advisor who knows your ministry
You get a person — not a call center. Your advisor knows your buildings, your programs, and your budget. When something changes, you reach the person who can help.
Carriers built for ministry
As authorized Brotherhood Mutual agents and preferred Insurance Board agents, we bring your church coverage options that most agencies can't offer.
We'll tell you the truth — even if it means we don't get the account
We don't make our living off one policy. If we review your church insurance coverage and you're already in good hands, we'll say so. Most people who call us didn't choose to handle their church's insurance — it landed on their desk. We guide you from the first conversation to a board-ready recommendation. No jargon. No pressure. Just an honest answer from a church insurance agency that only serves ministries.
Who we serve
Every policy we write is for a church, school, or ministry.
Churches
Property, liability, counseling, and more — built for how Georgia churches operate.
Christian Schools
Student accident, educators liability, and property coverage for Christian schools.
Camps
Seasonal operations, waterfront, overnight stays, and transportation coverage.
Cyber Insurance
Data breach, ransomware, and online giving platform protection.
Mission Teams
Travel insurance for mission trips and short-term teams.
Why Georgia churches choose MinistrySure
Most churches don't choose their insurance — it gets handed to whoever drew the short straw on the finance committee. The policy came from a commercial agent who also writes auto dealerships and restaurants, and nobody has looked at it since. That's how churches end up with gaps they don't find out about until something goes wrong.
MinistrySure exists because Georgia's ministries deserve better than that. We are a church insurance agency that works exclusively with churches, Christian schools, camps, and faith-based organizations. We don't write commercial accounts. We don't sell personal lines. Every policy on our books is for a ministry — and that singular focus is why more than 700 Georgia ministries trust us with their coverage today.
The agency was founded by Matthew and Michael Campbell, both recognized as Brotherhood Mutual Agents of the Year — an honor awarded to the top-performing agents in the nation's largest church insurance carrier. Together they bring over 30 years of combined experience serving ministries, and their team of dedicated account managers handles everything from coverage reviews and policy renewals to claims support and certificate requests.
We specialize in Brotherhood Mutual — the carrier built specifically for ministries — but we also place coverage with Insurance Board and other ministry-focused carriers when that's the better fit. Our job isn't to sell you a policy. It's to make sure your church has the right protection at a price your budget can sustain, with an agency that answers the phone when you need help.
Complete church insurance coverage
Ministry insurance isn't one policy — it's a set of coverages designed to protect your people, your property, and your mission.
Church property insurance
Your buildings are more than structures — they're where your congregation gathers, your children's ministry meets, and your community finds refuge. Church property insurance covers damage from fire, storms, theft, vandalism, and other covered perils. In Georgia, where severe weather and aging roofs are common, proper valuation matters. Many churches are underinsured because their policy still reflects what the building was worth five or ten years ago. We review your property values annually to make sure a total loss wouldn't leave your congregation without the funds to rebuild.
General and professional liability
Liability coverage protects your church when someone is injured on your property, when a volunteer causes an accident, or when a counseling conversation leads to a claim. General liability covers bodily injury and property damage. Professional liability — sometimes called errors and omissions — covers claims arising from pastoral counseling, board decisions, and employment practices. Churches face unique liability risks that commercial policies don't anticipate: mission trip injuries, nursery incidents, parking lot accidents during services, and allegations related to hiring or termination of staff.
Abuse and molestation coverage
No church wants to think about this — but every church needs to be prepared. Abuse and molestation coverage provides legal defense and settlement costs if an allegation is made against your ministry. Many commercial carriers either exclude this coverage entirely or cap it at dangerously low limits. Ministry-specific carriers like Brotherhood Mutual include robust abuse and molestation coverage and pair it with prevention resources — background check programs, volunteer screening guidelines, and policy templates — that help your church reduce risk before a claim ever happens.
Workers compensation
Georgia law requires workers compensation coverage for employers with three or more employees — and that includes churches. If your church has a paid pastor, an office administrator, and a custodian, you likely need a workers comp policy. This coverage pays for medical expenses and lost wages when an employee is injured on the job. Even churches that rely heavily on volunteers need to understand where the line between employee and volunteer falls, because misclassification can create serious legal exposure. We help Georgia churches navigate these requirements and find coverage that fits their staffing structure.
Common church insurance questions
How much does church insurance cost?
Church insurance costs in Georgia typically range from $3,000 to $25,000 per year, though larger campuses or multi-site churches may pay more. The biggest factor is your property valuation — what it would cost to rebuild your buildings from the ground up at today's construction prices. Other factors include staff size, number of programs, whether you operate a school or daycare, vehicle ownership, and your claims history. Churches with older buildings, flat roofs, or outdated electrical and plumbing systems often face higher premiums. The best way to know what your church should be paying is to request a no-obligation coverage review — we'll compare your current policy against what ministry-specific carriers can offer and show you exactly where your money is going.
What coverage does my church need?
At a minimum, most Georgia churches need property insurance, general liability, and workers compensation (if you have three or more employees). Beyond that, your specific programs drive your coverage needs. Churches with counseling ministries need professional liability. Churches that run youth programs, camps, or overnight events need abuse and molestation coverage with adequate limits. If your church owns vehicles or has volunteers driving on church business, you need commercial auto or hired and non-owned auto coverage. Cyber liability is increasingly important for churches that accept online donations, store member data, or manage digital communications. Directors and officers coverage protects your board members from personal liability when governance decisions lead to legal claims. The right combination depends on your ministry's size, activities, and budget — which is exactly what a coverage review is designed to sort out.
Why choose a specialist instead of a commercial insurance agent?
A commercial agent can write a church policy — but a ministry insurance specialist knows what to look for. Commercial agents typically place churches with the same carriers they use for businesses, which means your policy may exclude or undercover risks that are specific to ministry operations: abuse allegations, pastoral counseling claims, mission trip injuries, and volunteer-related incidents. A specialist agency like MinistrySure works with carriers like Brotherhood Mutual that were built specifically for churches. These carriers understand ministry operations, offer coverage forms designed for how churches actually work, and provide risk management resources — from background check platforms to safety training — that commercial carriers simply don't offer. The difference between a generalist and a specialist often doesn't show up in the premium. It shows up in the claim.
When should churches review their insurance coverage?
At a minimum, review your church insurance annually — ideally 90 days before your renewal date, so there's time to compare options without rushing. But certain events should trigger an immediate review: a building addition or renovation, launching a new program (like a daycare or school), hiring additional staff, purchasing a vehicle, starting a mission trip program, or receiving a non-renewal notice from your current carrier. You should also review coverage after any significant claim, after a change in pastoral leadership, or if your church hasn't had a professional review in more than two years. Many of the churches that come to us discover they've been on the same policy for years with no adjustments — and the gaps that built up over time are often the ones that hurt the most when a loss occurs.
What Georgia ministries say
“Every time I call, someone picks up. Every email gets a response the same day. They're kind, they're helpful, and they make something that could be stressful feel simple.”
“We've been with MinistrySure for years and I've never once felt ignored. When we have a question, they respond quickly and thoroughly. That kind of consistency matters when you're managing a church.”
“They asked questions about our church that we had never thought to ask ourselves. After the review, we realized we had gaps we didn't even know about. That thoroughness gave our board real peace of mind.”
“MinistrySure has been a wonderful partner for our church. Matthew took the time to understand our ministry operations and found coverage gaps we didn't know we had. The whole process was easy and thorough.”
“When Southern Mutual pulled out of the church market, we were left without coverage. Michael and his team stepped in, found us a better policy with Brotherhood Mutual, and had everything in place before our deadline.”
Ministries we serve
Church Insurance FAQ
What's included in a church insurance package?
A complete church package typically includes property insurance, general liability, abuse and molestation coverage, and basic contents protection. Additional coverage like workers' compensation, D&O insurance, and cyber liability may be added based on your church's specific needs.
How do I file a church insurance claim?
Contact your insurance carrier immediately after an incident. With Brotherhood Mutual, you can file claims 24/7 online or by phone. Document the damage with photos, gather witness information, and avoid making temporary repairs without carrier approval except for emergency situations.
What's the difference between church and commercial insurance?
Church insurance is designed specifically for ministry operations, volunteer activities, and religious purposes. Commercial policies often exclude or inadequately cover ministry-specific exposures like counseling liability, volunteer accidents, and abuse and molestation coverage.
Do small churches need the same coverage as large churches?
Small churches need the same types of coverage but with different limits. All Georgia churches need property, liability, and abuse coverage regardless of size. The main differences are coverage limits, premium costs, and additional protections like D&O insurance for larger staff structures.
How do I know if my church insurance is adequate?
Review your building values annually, ensure abuse coverage limits match your programs, verify workers' comp compliance if you have 3+ employees, and check that liability limits reflect your church's size and activities. A coverage review with a specialist identifies gaps.
What happens if my church gets sued?
Your liability insurance covers legal defense costs and settlements up to policy limits. Churches face lawsuits from slip-and-fall accidents, employment disputes, or abuse allegations. Proper coverage ensures your ministry can continue operating while legal matters are resolved.
How often should we review our church insurance?
Annually at minimum, and whenever significant changes occur — adding staff, expanding buildings, launching new programs, or purchasing vehicles. Growing churches should review coverage more frequently to ensure limits keep pace with expansion.
Do we need separate coverage for our school/daycare?
Schools operating under a church typically need additional coverage for educational liability, student accident protection, and enhanced property limits. We review both church and school operations together to ensure no coverage gaps exist between the two.
Church insurance questions answered
How much does church insurance cost? +
Church insurance costs in Georgia typically range from $3,000 to $25,000 per year depending on your building value, staff size, programs, and coverage needs. The biggest cost driver is property valuation. We provide a free church insurance coverage review to help you understand exactly what you need and what it should cost — no obligation.
What makes MinistrySure different from other insurance agencies? +
We only do ministry insurance. No commercial accounts, no personal lines — every policy we write is for a church, school, or ministry. Both owners are Brotherhood Mutual Agents of the Year, and our team has served 700+ Georgia ministries.
What is a coverage review? +
A coverage review is a no-obligation comparison of your current insurance against what specialized ministry carriers like Brotherhood Mutual can offer. We review your policies, identify gaps, and present options — with no pressure to switch.
Do I need to leave my current agent to get a coverage review? +
No. A coverage review doesn't require you to cancel anything or commit to switching. It's simply a second opinion on whether your ministry has the right protection.
We start with a conversation — not a sales pitch.
Tell us about your church, your buildings, your programs, and your people. Our team will take it from there — no obligation, no pressure, just a clear picture of whether your ministry is properly covered.