Church Insurance in Augusta, Georgia

Augusta-area churches need property coverage, general liability, workers' compensation (if 3+ employees), and abuse and molestation coverage at minimum. MinistrySure is an independent insurance agency that works exclusively with churches and ministries across Georgia — including Richmond County, Columbia County, and the broader Central Savannah River Area.

Hurricane Helene in September 2024 was the worst natural disaster in Augusta's modern history. Wind gusts of 80-100 mph downed trees across the city, crushed roofs, shattered stained glass, and left churches without power for weeks. The storm exposed how many Augusta congregations were underinsured — and how critical it is to have the right coverage before the next event. Our team has served more than 700 Georgia ministries and understands the coverage needs of CSRA churches, especially in the wake of Helene.

What Augusta Churches Need to Know About Insurance

Augusta churches face specific insurance challenges including hurricane-strength wind damage (as demonstrated by Hurricane Helene in 2024), Savannah River flood exposure, historic building replacement costs in downtown Augusta, and rapid growth in Columbia County that changes coverage needs. After Helene, many CSRA churches discovered they were underinsured on property and unprepared for wind-related deductibles.

Hurricane Helene and Severe Storm Risk

Hurricane Helene struck Augusta on September 27, 2024, with sustained tropical storm-force winds and gusts between 80 and 100 mph. The storm toppled thousands of trees, destroyed roofs, and caused catastrophic damage across Richmond County. Many churches lost roofing, had trees fall through sanctuaries, and sustained water damage from wind-driven rain. Some remained closed for months.

Helene proved that Augusta — 150 miles from the coast — is not immune to hurricane-strength winds. Your property policy should reflect this reality. Check your wind deductible, verify your building valuation is current, and confirm your policy covers the cost of debris removal and temporary relocation if your building becomes unusable.

Savannah River Flooding

Churches near the Savannah River, its tributaries, and the Augusta Canal face flood risk that standard property insurance does not cover. The Savannah River has a history of significant flood events, and climate patterns are increasing the frequency of heavy rainfall in the CSRA. A separate flood policy is essential for churches in or near FEMA-designated flood zones. Even churches outside mapped flood zones should consider coverage — flooding from overwhelmed drainage systems affected areas well outside traditional flood zones during Helene.

Columbia County Growth Corridor

Columbia County is one of the fastest-growing counties in Georgia. Evans, Martinez, and Grovetown are seeing rapid residential development, and new church plants and expanding congregations are following the population growth. Growing churches face a different set of insurance challenges — building values that change quickly as you add or renovate, increasing staff counts that trigger workers' compensation requirements, and new programs that create liability exposures your original policy may not cover.

Historic Augusta Churches

Augusta has a deep religious history. Springfield Baptist Church, founded in 1787, is the birthplace of Morehouse College and one of the oldest Black Baptist congregations in the country. Churches in downtown Augusta and the Summerville/Hill neighborhood often have older buildings with architectural features that are expensive to replace — brick masonry, wooden structural elements, and original stained glass. These buildings need replacement cost valuations that reflect restoration costs, not generic construction estimates.

Coverage Types for Augusta-Area Churches

Augusta-area churches typically need property insurance, general liability, workers' compensation, abuse and molestation coverage, directors and officers liability, commercial auto, cyber liability, umbrella liability, and employment practices liability. Churches with older buildings in downtown Augusta should pay special attention to replacement cost valuations — especially after Hurricane Helene exposed how many were underinsured.

• Property insurance — covers your buildings, contents, equipment, and signage at replacement cost.
• General liability — covers bodily injury and property damage from church operations and events.
• Workers' compensation — required by Georgia law for churches with three or more employees (O.C.G.A. § 34-9-2).
• Abuse and molestation coverage — non-negotiable for any church with children's or youth ministry. Standard liability policies exclude these claims.
• Directors and officers (D&O) — protects board members, elders, and deacons from personal liability for decisions made in their official capacity.
• Commercial auto — covers church-owned vehicles. Hired and non-owned auto covers liability when staff or volunteers drive personal vehicles for church business.
• Cyber liability — covers data breaches, ransomware, and online giving platform incidents.
• Umbrella liability — provides an additional layer above your general liability, auto, and employer's liability limits.
• Employment practices liability (EPLI) — covers claims of wrongful termination, discrimination, and harassment from employees.

For a detailed breakdown of each coverage type and what it costs, see our complete guide to church insurance in Georgia.

Why Augusta Churches Choose MinistrySure

Augusta churches choose MinistrySure because we work exclusively with churches and ministries, we're authorized Brotherhood Mutual agents, both owners are Brotherhood Mutual Agents of the Year, and our 11-person team has served 700+ Georgia ministries including CSRA churches. Our office in Loganville is about two hours from Augusta, and every person on our team was hired to serve churches.

We only do ministry insurance. No commercial accounts, no personal lines. Every policy we write is for a church, school, or ministry. When you call, everyone on our team speaks your language.

Brotherhood Mutual access. As authorized Brotherhood Mutual agents, we give your church access to a carrier built specifically for ministry — including coverages like counseling liability, armed security team coverage, and mission trip insurance that standard carriers often exclude.

A dedicated advisor who knows your church. 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.

700+ Georgia ministries served. Both owners — Matthew and Michael Campbell — are Brotherhood Mutual Agents of the Year. Our 11-person team has served churches of every size across Georgia, including churches throughout the CSRA.

We start with a conversation, not a sales pitch. A coverage review is a no-obligation comparison of your current insurance. We review your policies, identify gaps, and present options — with no pressure to switch.

Serving the Augusta-Area Church Community

MinistrySure serves churches throughout the greater Augusta area, including Richmond County, Columbia County, Burke County, McDuffie County, and Lincoln County. From historic downtown Augusta congregations to growing church plants in Evans and Grovetown, we build coverage programs that fit how your ministry actually operates — including post-Helene recovery and rebuilding needs.

• Richmond County — Downtown Augusta, Summerville/The Hill, South Augusta, Hephzibah, Blythe
• Columbia County — Martinez, Evans, Grovetown, Harlem, Appling
• Burke County — Waynesboro, Midville
• McDuffie County — Thomson
• Lincoln County — Lincolnton

Whether your church is a historic downtown Augusta congregation or a growing church plant in Evans, we build coverage programs that fit how your ministry actually operates.

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