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For Georgia churches with 200+ attendees

Where are the gaps in your church's insurance?

And is your insurance agent doing their job?

Ten questions — four about the coverage, six about the agent — that most administrators can't answer from memory. Two minutes. You get a written report: your answers, the questions you couldn't answer yet, and exactly what to ask your current agent.

Free. No email required to start. ~2 minutes.

✓ By Matthew Campbell, CIC ✓ 700+ Georgia ministries since 1989 ✓ Clear, actionable findings

The 10 questions in this coverage-gaps check

MinistrySure's Day-90 check is a 10-question review for Georgia churches with owned buildings, paid staff, and active programs. Four questions test whether coverage actually fits how the ministry runs. Six test whether the agent is doing the work a specialist should do before renewal. You can start the interactive check above, or read the questions here.

  1. Sexual Acts Liability. If a youth volunteer or staff member was accused of sexual misconduct, would your policy pay for the legal defense — with its own dollar limit, separate from your general policy?
  2. Wire-fraud / social engineering. If someone tricked your bookkeeper into wiring $50,000 to a fake vendor (a 'business email compromise' attack), would your policy reimburse that loss?
  3. Property valuation. If your sanctuary burned down today, would your insurance pay enough to fully rebuild it at TODAY's construction prices — not what it was worth 5 years ago?
  4. Abuse coverage limit. Even if abuse coverage is on your policy, is the dollar limit at least $1 million — and big enough to cover BOTH legal defense AND any settlement?
  5. Renewal package. By 90 days before your renewal date, has your agent already pulled together your loss data, exposure info, and current policy — and started shopping it to alternate carriers?
  6. A person you can call. When something comes up — a claim, a certificate, a coverage question — is there a person at your agency you'd call by name? Or do you call an 800 number and start over?
  7. Direct ministry appointment. Does your agent have direct contracts with multiple ministry-specialist insurance carriers — or are they shopping you through a middleman?
  8. Denomination match. Has your agent told you which carriers actually serve your denomination — and skipped the ones that don't qualify?
  9. Renewal timeline transparency. Has your agent given you a written timeline of what happens at Day 90, Day 60, Day 30, and Day 7 before your renewal?
  10. Proposal format and timing. When your renewal proposal arrives, is it a written, side-by-side comparison of current vs. renewal coverage — at least 14 days before your policy expires?

Prefer a written walkthrough? Read the 90-day church insurance audit or request a coverage review.

MinistrySure is an independent insurance agency in Loganville, Georgia specializing exclusively in churches, Christian schools, colleges, and faith-based ministries. Led by brothers Michael and Matthew Campbell — with 30 years of combined experience in church insurance — MinistrySure serves 700+ Georgia ministries as a preferred Brotherhood Mutual agency.