Coverage reviews for Georgia ministries with owned buildings, multiple programs, and the complexity that comes with growth.
You need coverage that accounts for:
Is this the right fit for your ministry?
This page is for Georgia churches and ministries that typically have:
Property & Facilities
People & Programs
Schools
Budget
If this sounds like your ministry, we should talk.
Property Coverage Protection for owned buildings, contents, equipment, organs, stained glass, and outdoor property — including school facilities, gyms, and playgrounds. Replacement cost coverage — not depreciated value.
General Liability Coverage For bodily injury and property damage claims arising from your ministry’s operations, events, and premises — including school activities and field trips.
Professional Liability Protection For pastoral counseling, employment practices, and the advice your staff provides. Includes educators legal liability for teachers and administrators.
Directors & Officers (D&O) Coverage For your board members and leadership team against claims of mismanagement, wrongful acts, or fiduciary breaches.
Abuse & Molestation Defense Liability coverage for allegations involving minors or vulnerable adults — plus access to prevention resources and training for staff and volunteers.
Commercial Auto Coverage For church-owned vehicles, buses, and vans — including school buses and hired/non-owned auto for staff using personal vehicles.
Workers’ Compensation Required coverage for your paid employees — church staff, teachers, and administrators — protecting them (and your ministry) in case of workplace injury.
Cyber Liability Protection For data breaches involving donor information, member records, student records, and online giving platforms.
Umbrella / Excess Liability Additional limits above your primary policies for catastrophic claims.
Student Accident Coverage Medical expense coverage for students injured during school activities, sports, or on campus.
Georgia Focus We only serve Georgia ministries. We know the local market, the carriers that write here, and the risks specific to our state.
Ministry-Only Specialization We don’t insure restaurants, contractors, or retail stores. Churches, schools, and ministries are all we do.
Brotherhood Mutual Expertise We’re Georgia’s second-largest Brotherhood Mutual agency — with agents recognized as Agent of the Year (2011, 2015) and Rookie of the Year (2009, 2011).
Personal Advisory Relationship You’ll work with a dedicated advisor who knows your ministry — not a call center or 800 number.
Coverage Review, Not Just a Quote We don’t race to give you the cheapest price. We review your current coverage, identify gaps, and make sure you’re protected before we talk numbers.
700+ Ministries Served Including Johnson Ferry Baptist Church, Perimeter Church, First Redeemer Church, Dominion Christian School, Loganville Christian Academy, and established ministries across Georgia.
Step 1: Discovery Call We start with a conversation — not a form. We learn about your buildings, programs, staff, and what keeps your leadership up at night.
Step 2: Coverage Review We review your current policies line by line. We look for gaps, overlaps, and areas where you may be underinsured or overpaying.
Step 3: Carrier Comparison We present options from carriers that specialize in ministry insurance — comparing coverage, limits, and value (not just price).
Step 4: Recommendation Your advisor walks through every detail with your finance committee or board, answering questions until you’re confident in your decision.
Step 5: Ongoing Service We handle certificates, claims advocacy, annual reviews, and are always a phone call away when you need us.
700+ Georgia ministries served
30+ years combined ministry insurance experience
Brotherhood Mutual Agents of the Year (2011, 2015)
What size ministry do you typically work with? Our average client has an annual premium around $15,000, which typically means 100-150 in weekly attendance and multiple owned buildings. We also serve larger ministries with premiums of $50,000 or more — including multi-campus churches and Christian schools.
Do you work with Christian schools? Yes. Schools with 200+ students and owned buildings are a core part of our practice. We understand educators legal liability, student accident coverage, and the unique risks schools face.
What carriers do you represent? We’re an authorized Brotherhood Mutual agent — Georgia’s second-largest. We also have access to other top-rated church insurers depending on your ministry’s needs and risk profile.
How is a coverage review different from getting a quote? A quote is a price. A coverage review examines your current policies, identifies gaps, and ensures you’re actually protected — before we ever discuss pricing.
What if our current carrier is non-renewing us? We help ministries in difficult situations every month. If you’ve had claims or been non-renewed, we can often find coverage and help you implement risk management steps to improve your position over time.
How long does the process take? For a straightforward review, we can typically have options ready within 1-2 weeks. Complex accounts (large schools, multi-campus churches) may take longer to quote properly.
Do you handle claims? Yes. We advocate for you throughout the claims process — communicating with the carrier, following up on payments, and making sure your ministry is treated fairly.
What areas of Georgia do you serve? All of Georgia. We’re based in Loganville (near Atlanta) but serve ministries statewide — from Savannah to Columbus, Valdosta to Dalton.
Or call us directly: 770-716-0180