Churches & Religious Organizations

Protecting places of worship, service, and fellowship

Republic Insurance Group provides thoughtful insurance and risk management solutions for churches, ministries, and faith-based organizations—helping protect people, property, and mission while navigating today’s complex risk environment.

Experience with churches and faith-based nonprofits
Coverage designed for ministry activities and volunteers
Risk management support aligned with mission values

Faith-based organizations of all sizes

We work with local, regional, and multi-site faith organizations, including:

Churches and places of worship
Denominational and independent congregations
Faith-based nonprofits and ministries
Religious schools and educational programs
Faith-based camps, retreats, and conference centers
Youth ministries and outreach programs
Mission organizations and service groups
Volunteer-driven and staff-led organizations

Ministry creates community—but it also creates responsibility. Insurance should support the mission, not distract from it.

Core Coverage Solutions

Coverage designed around ministry operations

Property Coverage

Churches, sanctuaries, fellowship halls, and offices
Camp facilities, cabins, lodges, and retreat centers
Historic structures and unique architectural features
Contents, musical instruments, and equipment
Loss of use / business income (where applicable)

General Liability

Premises liability for services and events
Operations liability for ministry activities
Special events and community outreach
Volunteer liability considerations

Abuse & Molestation Coverage

Coverage designed to address sensitive allegations
Protection for staff, volunteers, and leadership
Often required for youth programs and camps
Emphasis on prevention and risk management protocols

Commercial Auto

Church vans, buses, and ministry vehicles
Mission and outreach transportation
Hired and non-owned auto exposures

Workers’ Compensation

Coverage for pastors, staff, and employees
Clergy classification considerations
Employer liability alignment

Umbrella & Excess Liability

Additional limits over general and auto liability
Often critical for camps, retreats, and youth programs

Specialty Coverage for Ministries, Camps & Retreats

Coverage for extended ministry environments

Faith-based camps, retreats, and conference centers introduce additional exposures, including:

Participant Accident Coverage – supplemental protection for injuries
Camp & Retreat Liability – overnight stays, activities, and supervision
Lodging & Hospitality Exposure – guest housing and meals
Water Activities Liability – lakes, pools, and waterfront operations
Special Events Coverage – conferences, revivals, and large gatherings
Property Enhancements – cabins, trails, and recreational facilities
Crime Coverage – theft, misuse of funds, or donations
Cyber Liability – donor data, online giving, and communication systems

Ministry creates real-world exposure

Churches and religious organizations face risks that differ from typical nonprofits, including:

Property loss to sanctuaries, fellowship halls, and historic buildings
Premises liability for congregants, visitors, and guests
Youth activities and volunteer supervision exposure
Transportation risks for vans, buses, and mission travel
Abuse and misconduct allegations
Special events, gatherings, and community outreach
Camps, retreats, and overnight activities
Limited budgets paired with high public trust

We help organizations address these risks proactively and respectfully.

Common faith-based accounts

Local and rural churches
Western lifestyle & cowboy churches
Multi-campus congregations
Faith-based camps and retreat centers
Youth and family ministries
Mission and outreach organizations
Religious nonprofits and foundations
Volunteer-led ministries
Conference and worship centers

A values-aligned approach to church insurance

We understand that churches and ministries operate on trust, service, and stewardship.

Our approach:

1. Ministry assessment
We learn how your organization worships, serves, and engages the community.

2. Coverage coordination
We align property, liability, auto, and abuse coverage to avoid gaps.

3. Risk management support
Guidance on safety policies, volunteer screening, and youth protection.

4. Claims advocacy
When something happens, we help navigate the process with care and clarity.

What faith leaders value most:

Respectful, plain-language guidance
Coverage that reflects real ministry activity
Long-term partnership, not transactional sales

What helps us serve you efficiently

To prepare a quote or coverage review, we typically request:

Type of organization and ministry activities
Property locations and building details
Youth programs, camps, or overnight activities
Vehicle use and transportation details
Number of employees and volunteers
Prior claims history (if available)
Current policies and renewal dates

Frequently Asked Questions

1) Do churches really need abuse and molestation coverage?
Many carriers require it, especially for youth programs. It is a critical component of modern church insurance.

2) Are volunteers covered under our policy?
Often yes, but coverage depends on policy structure and should be reviewed.

3) What about mission trips or off-site activities?
These can create additional exposure and may require endorsements or special coverage.

4) Can historic churches be insured properly?
Yes, but valuation and restoration considerations are important.

5) Is coverage available for faith-based camps and retreats?
Yes, though overnight lodging, activities, and supervision must be carefully underwritten.

6) Are pastors and clergy considered employees?
Classification varies and should be reviewed for workers’ comp and liability purposes.

7) Does general liability cover counseling services?
Pastoral counseling may require specific consideration depending on scope and frequency.

8) How often should coverage be reviewed?
Annually, or anytime programs, facilities, or activities change.

Protect the mission—today and for generations to come

From rural churches to faith-based camps and retreat ministries, Republic Insurance Group helps protect the organizations that serve and strengthen their communities.