Your Church Got a Non-Renewal Notice. Here's What to Do Next.
What a non-renewal means for your church
A non-renewal is not a cancellation. Your current coverage remains in effect until the renewal date listed on the notice. This gives you a window — typically 30 to 60 days — to find replacement coverage before any gap occurs.
The most important thing you can do is act immediately. The more time your agent has to shop replacement coverage, the more options you'll have — and the more likely you'll secure competitive terms.
Why church non-renewals happen
The most common causes of church insurance non-renewals in Georgia are claims history, carrier market exits, building condition, catastrophe-zone location, and changes in church operations. A non-renewal doesn't always mean your church did something wrong.
Claims history
Frequent or severe claims — property damage, liability incidents, workers' comp injuries — can lead carriers to decide the risk isn't worth the premium.
Carrier market exits
Insurance companies sometimes decide to stop writing church business entirely, or exit a geographic market. This has nothing to do with your church — it's a business decision by the carrier.
Building condition or age
Deferred maintenance, outdated electrical or plumbing, roof condition, and other building issues can trigger non-renewals — especially after an inspection.
Location and catastrophe risk
Georgia churches in areas with high hail, wind, or flood exposure may face non-renewals as carriers tighten underwriting in those zones.
Changes in church operations
Adding programs, expanding facilities, or changes in leadership can shift the risk profile beyond what the carrier originally underwrote.
What to do when you get a non-renewal
Follow these four steps to protect your church from a coverage gap.
Contact MinistrySure immediately
Call us or request a coverage review the day you receive the notice. The sooner we start, the more carrier options we can explore before your renewal date.
Gather your current policy details
Pull together your current policy, the non-renewal notice, recent loss runs (claims history), and building information. We'll need these to approach replacement carriers.
We shop specialist carriers
We present your church to carriers like Brotherhood Mutual who specialize in ministry — including churches with prior non-renewals or claims history. We know which carriers will look at your situation.
Secure replacement coverage
We present your options with clear recommendations so your leadership team can make a confident decision — well before your current coverage expires.
Why churches come to MinistrySure after a non-renewal
Churches come to MinistrySure after a non-renewal because we know which carriers will write churches with claims history or prior non-renewals, what underwriting information they need, and how to present your church's risk profile effectively. As authorized Brotherhood Mutual agents, we give your church access to a carrier built for ministry — including ministries other carriers have walked away from.
We specialize in this situation because we know which carriers will write churches with prior claims or non-renewals, what information they need, and how to present your church's risk profile in the best light. We've helped dozens of Georgia churches transition from non-renewed policies to stable, long-term coverage with ministry-focused carriers.
Churches we've helped after non-renewal
“After Southern Mutual canceled our coverage, Matthew and his MinistrySure team moved mountains and helped our church obtain replacement insurance in remarkable time. The team found excellent coverage with Brotherhood Mutual.”
“Michael immediately stepped in to guide us through securing new coverage and rebuilding our account. Thanks to Michael's leadership, we transitioned to an admitted carrier within one calendar year.”
Non-renewal questions answered
Is a non-renewal the same as a cancellation? +
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.
Why would an insurance company non-renew a church? +
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.
How quickly can MinistrySure find replacement coverage after a non-renewal? +
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.
Don't wait — coverage gaps start at your renewal date
If your church has received a non-renewal notice, contact us today. We'll get to work finding replacement coverage immediately.