Your congregation depends on you to protect what you’ve built. MinistrySure provides insurance coverage designed for churches with staff, facilities, and active ministries — so you can focus on your mission without worrying about gaps in protection.
Protect your sanctuary, fellowship hall, offices, and equipment from fire, storms, vandalism, and theft. Georgia’s severe weather season—with hail, tornadoes, and lightning—makes adequate property coverage essential. We’ll help you determine accurate replacement cost values so you’re not underinsured when disaster strikes.
Covers accidents that happen on church premises or during church activities. If a visitor slips in the parking lot, a child is injured during VBS, or property is damaged during a community event, general liability responds to these claims.
Protects your pastor, board members, elders, and deacons from personal liability arising from decisions made on behalf of the church. Employment disputes, financial decisions, and policy disagreements can all lead to claims against church leadership.
An unfortunate reality for churches today. This coverage protects against claims of sexual misconduct or abuse by staff, volunteers, or members. We also help churches implement prevention policies, background check procedures, and supervision protocols that reduce risk and may lower premiums.
Required in Georgia for churches with employees. Covers medical expenses and lost wages if your pastor, administrative staff, custodian, or other employees are injured on the job. Some policies can also cover volunteer injuries.
If your church operates vans or buses for youth groups, senior ministry, mission trips, or Sunday transportation, you need commercial auto coverage. Personal auto policies typically exclude church-owned vehicles.
Protect your member database, online giving platform, and financial records from data breaches, ransomware, and cyber attacks. Churches are increasingly targeted because they often have valuable data but limited IT security.
Many Georgia churches don’t just hold Sunday services—they operate multiple ministries that each carry unique risks.
If your church sponsors a Christian school, we can coordinate coverage between your church policy and school-specific needs like educators liability and student accident insurance.
Churches that run summer camps or VBS programs need coverage for outdoor activities, transportation, and temporary facilities that may not be included in a standard church policy.
For churches overseeing nonprofit ministries—food pantries, counseling centers, homeless outreach—we ensure your charitable work is properly protected without paying for duplicate coverage.
We also work with churches that partner with foster care agencies or host foster family support groups, ensuring these sensitive ministries have appropriate coverage.
By bundling related ministries under a coordinated insurance program, you often save money while eliminating coverage gaps.
Local Expertise — We’re based in Loganville and serve churches across Georgia, from metro Atlanta to rural communities. We understand Georgia’s weather risks, regulatory requirements, and the challenges facing churches in our state.
Ministry-Focused Carriers — We work with insurance companies that specialize in churches — including Brotherhood Mutual and Insurance Board — so you get carriers that understand ministry.
Risk Management Support — Beyond policies, we provide resources to help your church reduce risk: safety assessments, volunteer screening guidance, facility checklists, and policy templates.
Claims Advocacy — When you have a claim, we work on your behalf with the insurance company. You shouldn’t have to navigate that process alone.
Church insurance costs vary widely based on your building value, congregation size, programs offered, and claims history. A small church renting space might pay $1,500-$3,000 annually for liability coverage. A mid-sized church with a building valued at $1 million typically pays $5,000-$15,000 for a comprehensive package including property, liability, and D&O coverage. Large churches with schools, camps, or multiple campuses can pay $20,000-$50,000 or more. The best way to know your cost is to request a quote with your specific details.
Georgia requires workers compensation insurance for churches with three or more employees (including clergy). Beyond that legal requirement, most churches need general liability and property insurance to protect against common risks. If your church has a mortgage, your lender will require property coverage. Many landlords require liability coverage from tenant churches. While not legally mandated, D&O insurance, abuse coverage, and commercial auto (if you own vehicles) are strongly recommended.
Standard church liability policies typically cover the church if a volunteer causes injury or damage while performing church duties. However, if a volunteer is injured while serving, coverage varies. Some policies include volunteer accident coverage; others require it as an add-on. If your church relies heavily on volunteers—especially for activities like construction projects, youth ministry, or transportation—ask specifically about volunteer injury coverage.
Abuse and molestation coverage (sometimes called "sexual misconduct coverage") protects your church against claims that a staff member, volunteer, or member committed sexual abuse or misconduct. It covers legal defense costs and settlements. Unfortunately, churches are frequent targets for these claims—both legitimate and fraudulent. Most ministry-focused insurance carriers require churches to have prevention policies (background checks, two-adult rules, supervision protocols) to qualify for this coverage. Yes, your church needs it.
Yes, but it requires careful coordination. Some churches add their school as an endorsement to the church policy; others maintain separate policies. The right approach depends on your school's size, whether it's legally separate from the church, and what coverage gaps exist. Schools have unique exposures (educators liability, student accident, athletic coverage) that standard church policies don't include. We specialize in helping Georgia churches with Christian schools structure coverage that protects both operations without duplicate premiums.
Ready to review your church’s coverage? Schedule a call with a MinistrySure advisor. We’ll discuss your church’s programs, facilities, and concerns—then shop multiple carriers to find the best protection at a competitive price.
