How Much Does Church Insurance Cost in Georgia?
Most established Georgia churches with owned buildings, paid staff, and active programming pay between $10,000 and $30,000 per year for a comprehensive insurance package. Smaller churches may pay less; larger churches with multiple buildings, vehicles, and extensive programs often pay more.
Factors that affect church insurance cost
Eight factors drive church insurance premiums in Georgia: building replacement value, square footage, location, staff count, ministry programs, claims history, coverage limits, and deductible selections. Building value is the single largest cost driver.
Building value and replacement cost
The total insured value (TIV) of your buildings is the largest premium driver. A church insuring a $5 million campus will pay significantly more than one insuring a $500,000 building. Accurate valuations are critical — underinsuring saves money until you have a claim.
Square footage and building age
Larger buildings cost more to insure. Older buildings — especially those with outdated electrical, plumbing, or roofing — carry higher risk and higher premiums. Updates to critical systems can help.
Location and geography
Georgia churches in coastal, hail-prone, or flood-zone areas face higher property premiums. Proximity to fire departments and hydrants, neighborhood crime rates, and local building codes all play a role.
Staff count and payroll
Workers' compensation is based on payroll. More employees and higher salaries mean higher comp premiums. Employment practices liability (EPLI) cost also increases with staff size.
Programs and activities
Youth programs, daycare, summer camps, mission trips, counseling services, food pantries, and community events each add liability exposure. The more activities, the broader the coverage needed.
Claims history
Churches with frequent or severe claims pay more — and may have fewer carrier options. A clean loss history is one of the best ways to keep premiums manageable.
Coverage limits chosen
Higher liability limits, lower deductibles, and additional coverages (umbrella, cyber, D&O) increase premium. The right balance depends on your church's assets and risk tolerance.
Deductible selections
Choosing a higher deductible reduces your annual premium but means your church pays more out of pocket when a claim occurs. The right deductible depends on your church's financial reserves.
Typical cost ranges by church size
Small Georgia churches typically pay $3,000–$8,000 per year, mid-size churches pay $10,000–$25,000, and large churches with campuses and multiple programs pay $25,000–$75,000 or more. These ranges are based on Georgia churches we've served.
Small churches
Under $1M building value, fewer than 5 staff
Typically a basic property and liability package. Workers' comp and auto added as needed.
Mid-size churches
$1M – $5M building value, 5–20 staff
Property, liability, workers' comp, D&O, counseling liability, and often auto and umbrella.
Large churches
$5M+ building value, 20+ staff, multiple programs
Full coverage suite including property, liability, comp, D&O, EPLI, umbrella, cyber, and auto for multiple vehicles.
Ways to manage church insurance costs
Churches can manage insurance costs by getting accurate property valuations, implementing safety programs, bundling coverages with a ministry-focused carrier, choosing appropriate deductibles, and reviewing coverage annually. You can't control every factor, but these steps keep premiums in line.
Get accurate property valuations
Underinsuring saves on premium but creates devastating gaps when claims occur. Overinsuring wastes money. An accurate replacement cost valuation is the foundation of right-sized coverage.
Implement safety and risk management programs
Background checks, safety teams, facility maintenance programs, and documented policies can reduce claims — and some carriers offer credits for proactive risk management.
Bundle coverages with a specialist carrier
Packaging property, liability, and other coverages into a single policy with a ministry-focused carrier like Brotherhood Mutual is typically more cost-effective than buying separate policies from multiple carriers.
Choose appropriate deductibles
If your church has financial reserves, choosing a higher deductible can meaningfully reduce your annual premium. Just make sure the deductible is an amount your church can absorb.
Review coverage annually
Your church changes from year to year — staff additions, new buildings, new programs. An annual coverage review makes sure you're not paying for coverage you don't need or missing coverage you do.
Church insurance cost — questions answered
What's the biggest factor that affects church insurance cost? +
Building value (total insured value) is typically the single largest cost driver. A church insuring a $5 million campus will pay significantly more than one insuring a $500,000 building. After property values, staff count, location, programs and activities, and claims history are the next most significant factors.
Can my church save money by bundling insurance coverages? +
Yes. Packaging property, general liability, and other coverages into a single policy — sometimes called a Business Owner's Policy (BOP) or package policy — is usually more cost-effective than buying separate policies. Specialized ministry carriers like Brotherhood Mutual offer package programs designed specifically for churches.
Does our church's claims history affect our premium? +
Yes. A history of frequent or severe claims can increase premiums or limit carrier options. Conversely, a clean claims history helps secure better rates. Implementing safety programs, proper maintenance, and risk management practices can help keep claims down and premiums manageable over time.
Get a clear picture of your church's insurance cost
A coverage review compares options from specialized carriers — so you see the right coverage at a fair price, not just the cheapest quote.