Church Insurance

Churches are so much more than places of worship—they’re also community centers, employers, and oftentimes, homes.

A church isn’t merely something we go to but a family we belong to. It’s a assembly of disciples that believe in Jesus “And let us consider how to stir up one another lo love and good works, not neglecting to meet together, but encouraging one another.”

Unfortunately, Churches Property & Casualty Insurance has seen a big change over the last few years. Due to Insurance carriers leaving the market or being downgraded due to financial concerns, churches are being hit with cancellations, non-renewals or a significant increase in premiums. At Ricks Insurance, we understand that every church is unique, and we can offer a broad range of insurance solutions to help protect against those risks. 

What does Church Insurance cover?

A good Church Insurance policy doesn’t just cover the obvious costs such as damage to your property, general liability or vandalism, but also the unexpected associated costs. This could include having to update the building to comply with local ordinances when carrying out repairs after a loss. 

Most common coverage options for houses of worship.

Churches are unique in the type of insurance they require for the risks they face. Ensuring that your Church is properly covered is important, and here are a few of the specialty coverages that can be added to a church policy:

• Religious Freedom Insurance
• Directors and Officers Insurance
• Abuse and Molestation Insurance
• Stained Glass Insurance
• Professional Liability Insurance
• Non-owned Auto Insurance

Does your church have a Day Care or Mother’s Day out program? These programs can come with their own set up challenges and risks. 

Coverage for the unexpected.

You can also get coverage for liability issues, travel risks on mission trips, and the costs of recruiting a suitable religious leader if a replacement becomes necessary.

At Ricks Insurance, we offer customized insurance options that fit all these unique needs. As an Independent Agent, we work with several carriers to offer the best coverage at the lowest price.