Have a question? Our team has the answer.

Most Georgia churches need property insurance, general liability, workers' compensation (required for employers with three or more employees), and commercial auto if the church owns vehicles. Churches with staff should also carry directors and officers (D&O) liability, employment practices liability (EPLI), and abuse and molestation coverage.

Premiums vary based on building values, location, staff count, and coverage types. Established churches with owned buildings and active programming typically pay $15,000 or more annually. A coverage review compares options from specialized carriers.

MinistrySure specializes exclusively in churches, Christian schools, colleges, and faith-based ministries — we don't write commercial or personal insurance. As authorized Brotherhood Mutual agents and preferred Insurance Board agents, we bring 30+ years of combined ministry insurance experience and have served more than 700 Georgia ministries.

A coverage review is a no-obligation conversation where a MinistrySure advisor reviews your current insurance policies, identifies gaps or overlaps, and compares options from carriers that specialize in ministry coverage. We present a clear side-by-side comparison so your leadership team can make an informed decision.

Georgia law requires workers' compensation coverage for employers with three or more employees. If your church has paid staff — including part-time employees — you likely need a workers' comp policy. Even churches with fewer than three employees often carry it voluntarily to protect staff and limit the church's liability.

Costs vary based on building values, location, staff count, programs, and coverage types. Small churches may pay a few thousand annually; established churches with owned buildings and active programming typically pay $15,000 or more. A coverage review helps find the right fit.

Your MinistrySure advisor helps you report the claim to the carrier and guides you through every step. Brotherhood Mutual's claims team handles ministry-specific situations — property damage, liability, employment disputes. We stay involved until it's resolved.

Yes. You can switch at any renewal date, and sometimes mid-term. Your current carrier issues a pro-rated refund for unused premium. We handle the transition so there's no gap in coverage.

Don't panic — a non-renewal is not a cancellation. It means your current carrier won't renew your policy at the next renewal date, giving you time to find replacement coverage. Contact MinistrySure immediately. We specialize in placing churches that have been non-renewed and work with carriers experienced in these situations.

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.

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.

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.

No. A cancellation terminates your policy immediately or before the policy period ends, usually for non-payment or material misrepresentation. A non-renewal means the carrier simply won't offer to renew your policy when it expires. You remain covered until the renewal date, giving you time to find replacement coverage.

Common reasons include claims frequency or severity, the carrier exiting the church market, building condition concerns, geographic risk factors (hail, wind, flood zones), or changes in the carrier's underwriting appetite. Sometimes it has nothing to do with your church specifically — carriers make broad market decisions that affect entire segments.

In most cases, we secure replacement coverage well before your renewal date — often within a few weeks. Contact us as soon as you receive a non-renewal notice. The more time we have, the more carrier options we can explore.

Brotherhood Mutual is an insurance company founded in 1917 that exclusively serves churches, schools, camps, and faith-based ministries. Unlike commercial carriers, their entire operation — underwriting, claims, risk management — is built around ministry-specific risks.

Yes. Brotherhood Mutual works exclusively through authorized agents. MinistrySure is an authorized Brotherhood Mutual agency in Georgia. Working with an experienced agent means you get help selecting the right coverages, accurate property valuations, and an advocate during the claims process — not just a quote.

Brotherhood Mutual offers a comprehensive package for churches including property, general liability, pastoral counseling liability, directors and officers (D&O), employment practices liability (EPLI), abuse and molestation coverage, workers' compensation, commercial auto, umbrella liability, and cyber liability. Their policy forms include ministry-specific language not found in standard commercial policies.

At minimum, Georgia churches need property coverage, general liability, and workers' compensation (required with three or more employees). Most also need directors and officers (D&O), abuse and molestation coverage, counseling liability, and commercial auto if the church owns vehicles. The right mix depends on your size, staff, and programs.

General liability covers injuries to volunteers on church property, but it doesn't cover their medical bills the way workers' comp covers employees. Many churches add volunteer accident coverage — a low-cost policy that pays medical expenses for volunteers hurt during church activities, regardless of fault.

General agents rarely encounter risks specific to churches — counseling liability, abuse and molestation exposure, mission trip coverage, or armed security teams. A ministry-focused agent knows what questions to ask because they work with churches every day. That means fewer gaps and coverage that actually fits how your church operates.

Yes — and there are advantages to having one agency that understands both. MinistrySure insures churches, K-12 schools, and colleges across Georgia. When your church and college share facilities or staff, having one advisor who sees the full picture prevents coverage gaps.

Brotherhood Mutual insures Christian colleges and universities, including residential campuses. As authorized Brotherhood Mutual agents, MinistrySure can evaluate whether Brotherhood Mutual is the right fit for your institution — or whether a combination of carriers better serves your needs.

Religious identity legal defense. Many colleges carry general liability and D&O coverage, but their policies don't specifically cover the legal costs of defending faith-based hiring practices, student conduct standards, or accreditation challenges tied to religious convictions. This is a growing exposure area.

College premiums are driven by campus property values, student enrollment, residential capacity, athletic programs, and number of employees. A small Christian college with 300 students and a residential campus will typically carry a significantly higher premium than a K-12 school of similar enrollment because of the broader risk profile.

Christian schools need property, general liability, educators legal liability, student accident, workers' compensation, and commercial auto coverage. Schools with athletics should add athletic participation coverage. If part of a church, policies must avoid coverage gaps between the two.

No. General liability covers bodily injury and property damage claims. Educators legal liability covers claims arising from educational decisions — wrongful expulsion, failure to educate, discrimination allegations, or improper discipline. Christian schools face both types of claims and need both coverages.

Not always. Many church policies exclude school operations or limit coverage for student activities, athletics, and bus transportation. If your school is listed on your church policy, we review it to confirm the school's specific exposures are actually covered — not just assumed to be.

Camps and retreat centers need property coverage, general liability, participant accident coverage, commercial auto, and workers' compensation. Camps with water activities, ropes courses, or horseback riding need specific endorsements for those exposures. Seasonal staffing and volunteer-heavy operations also affect how policies should be structured.

General liability covers the camp's legal liability if a participant is injured, but it doesn't pay the participant's medical bills directly. Participant accident coverage fills that gap — it pays medical expenses for campers injured during activities regardless of who's at fault, which reduces the chance of a lawsuit.

Yes, but the structure matters. Your policy covers your property and your operations. When outside groups rent your facility, you should require them to carry their own liability insurance and name your retreat center as an additional insured. We help set up rental agreements and certificate requirements.

Yes. Georgia law requires employers with three or more employees to carry workers' compensation — and that includes churches. Volunteer workers are generally not counted, but paid staff (including part-time) are. Churches that skip workers' comp face fines and personal liability for workplace injuries.

Yes. Georgia churches face hail, wind, tornadoes, and occasional ice storms. Older buildings with flat roofs or aging HVAC systems are especially vulnerable. Property coverage should reflect actual replacement cost, not just the original build value — and deductibles for wind and hail should be reviewed annually.

MinistrySure focuses exclusively on Georgia. Our team of 11 serves more than 700 churches, schools, colleges, and ministries across the state — from metro Atlanta to rural south Georgia. Focusing on one state lets us know the local risks, regulations, and carrier options better than a national agency.

Most general agents insure one or two churches alongside hundreds of commercial accounts. They don't know to ask about counseling liability, mission trip exposures, or armed security teams. A ministry specialist writes these policies every day and knows exactly where churches get caught with gaps.

We are authorized Brotherhood Mutual agents and preferred Insurance Board agents — two carriers built specifically for churches and ministries. These carriers understand ministry operations and offer coverage forms designed for faith-based risks that standard commercial carriers don't address.

No. We typically review your coverage before your renewal date and present options alongside your current policy. If we recommend a change, the transition happens at renewal — no lapse, no gap. If your current coverage is solid, we'll tell you that too.

Yes. We help churches and ministries set up group health insurance, dental, vision, life, disability, and retirement plans for their staff. Benefits help churches attract and retain qualified employees — especially in a competitive job market where ministry salaries are often lower than the private sector.

Yes. Georgia allows groups as small as two enrolled employees to purchase group health plans. For very small churches, we also review health reimbursement arrangements (HRAs) and individual coverage HRAs (ICHRAs) as alternatives that let employees choose their own plans with church-funded reimbursement.

Property and casualty insurance protects your church's buildings, vehicles, and operations from liability claims and physical damage. Employee benefits — health, dental, vision, life, disability — protect your staff and their families. Most churches need both, and we handle both from one agency.

Call your carrier directly — Brotherhood Mutual at (800) 333-3371 or Insurance Board at (800) 255-3562. Then contact MinistrySure at (770) 716-0180 so we can help manage the process and advocate on your behalf. The sooner you report, the smoother the claim goes.

You'll need your policy number (if available), the date and time of the loss, a description of what happened, photos of any damage, and a police or fire report number if applicable. Don't worry about having everything perfect — report the claim first and gather details as you go.

Simple claims like broken windows or minor water damage often resolve in 2-4 weeks. Larger claims involving roof damage, fire, or liability investigations can take several months. MinistrySure stays involved throughout the process to make sure your claim moves forward and your ministry gets a fair settlement.

Submit a request through this page or call us at (770) 716-0180. Most certificates of insurance are issued within one business day. If you need it faster, call and we'll prioritize it. Include the certificate holder's name and address, and any special requirements like additional insured status.

Submit a request through this form or call us directly. Common changes include adding a new vehicle, updating a building value, adding an additional insured, or adjusting coverage limits. Most endorsements take 1-3 business days to process depending on the carrier.

Every request is handled by a licensed agent on our team — not outsourced and not automated. If you have a preference for who you work with, select their name on the form. Otherwise, we'll route your request to the team member who knows your account best.

Declaration pages (dec pages) are the summary pages at the front of your insurance policy showing your coverages, limits, deductibles, and premium. Check your email for renewal documents, log into your carrier's online portal, or call your current agent and ask for a copy of your current declaration pages.

Loss runs are a claims history report from your current insurance carrier covering the last 3-5 years. Call your carrier directly (not your agent) and request five-year loss runs. Most carriers send them within a few business days. We need these to get accurate quotes from other carriers.

Start with whatever you have — even just your declaration pages. Most church administrators can gather everything we need in about 15 minutes. If you're missing something, we'll walk you through how to get it. The coverage review is free and there's no obligation.

We've worked with these companies on real claims and projects for Georgia churches over the past 30+ years. We recommend them because they've done good work for our clients — not because of referral fees or partnerships. You're always free to use any provider you choose.

No. Your carrier assigns an adjuster and approves vendors independently. These are service providers our clients have had good experiences with — using them does not change your claim outcome, coverage, or premium. If your carrier requires a specific vendor, their instructions take priority.

Yes. If you need a service provider we haven't listed — environmental remediation, structural engineering, specialty contractors — call us at (770) 716-0180. We'll connect you with someone our team or our clients have worked with in the past.