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Georgia church exterior — church insurance self-audit checklist

Is Your Church Properly Covered?

A quick insurance self-audit for Georgia churches. 10 questions to review before your next board meeting.

What's in the checklist

Five sections covering the most common gaps we see when reviewing Georgia church insurance. Each section has specific questions your board can answer in minutes.

1. Property Coverage

Does your policy cover the full replacement cost of your buildings? What about portable equipment, outdoor signs, and playground structures?

2. Liability Coverage

General liability, counseling liability, and abuse and molestation coverage. Most generic policies miss at least one of these for churches.

3. Staff & Leadership Protection

Directors & Officers (D&O), employment practices liability, and workers' compensation. Georgia requires workers' comp for employers with three or more employees.

4. Specialized Ministry Risks

Mission trips, transportation, security teams, food service, and daycare programs. These are the risks that generic commercial agents don't think to ask about.

5. Red Flags

Three warning signs that your church may be underinsured. If any of these apply, it's time to talk to a specialist.

Download the free checklist

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Want a professional to review this with you?

Our team has reviewed coverage for 700+ Georgia ministries. We can walk through your checklist results and show you exactly where you stand.

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.