Insurance for churches and religious organizations
For congregants, your church is a source of faith and community. Help protect it with small business insurance from State Farm®.
What is insurance for churches & religious organizations?
The insurance needs of churches and religious organizations aren’t that different from other small businesses. Your State Farm agent can help you find the coverages you want for your organization.
What does insurance for religious organizations cover?
By bringing together the right coverages, you can help safeguard your religious organization and its assets from risks.
Property
Helps cover a range of property –from the main house of worship and other structures to furnishings, landscaping and business property
Liability
Helps provide financial protection against costly claims and lawsuits resulting from property damage, personal and advertising injury, or bodily injury due to activities involving your religious organization
Equipment breakdown
Offers coverage that helps protect against damage to covered property caused by mechanical breakdown, power surges, and explosion of steam boilers or loss of steam/hot water boilers
Computer property
Helps cover computer equipment used in organization operations
Employee dishonesty
Helps provide coverage for loss of business property, as well as money and securities, resulting from dishonest acts committed by employees
Valuable papers and records
Helps cover the cost to research, replace or restore lost information on valuable papers and records caused by an insured loss
Coverage in action
A patron falls on the premises and is injured. Liability coverage can help protect your religious organization in the event of a lawsuit.
How to help protect your small business
Depending on your church or religious organization, you may want to consider additional coverages. Your local State Farm agent can help you choose the options that work best for your specific business needs.
Cemetery professional liability
Coverage for legal liability resulting from bodily injury, property damage, personal and advertising injury liability caused by an occurrence arising out of cemetery operations
Clergy counseling professional liability
Coverage for insured's legal obligations for damages from acts, errors, or omissions arising out of counseling activities
Data compromise and identity restoration
Coverages work together to help your religious organization get back on track after a data breach occurs or if you, the organization, becomes a victim of identity theft
Directors, officers and trustees liability
Coverage for the religious organization and its directors, officers, trustees, and committee members for damage arising from negligent acts, errors, omissions or breach of duty committed by the directors, officers, trustees or committee members
Workers’ compensation
Helps protect your team against work-related injuries or illness. Requirements for workers’ comp vary by state
Frequently asked questions about religious organization insurance
Churches may want to consider insurance for churches and religious organizations that includes these coverages:
- Property
- Liability
- Equipment breakdown
- Computer property
- Employee dishonesty
- Valuable papers
Additional endorsements can be added, such as:
- Cemetery professional liability
- Clergy professional liability
- Directors, officers and trustees liability
- Data compromise and identity restoration
- Hired auto, money and securities
- Loss of income
Your State Farm agent can help you determine the insurance coverages and endorsements that will help meet your organizations’ needs
Cemetery owners may want to consider insurance for churches and religious organizations that includes property and liability coverages. But you also may want to consider adding (by endorsement) cemetery professional liability.
It isn’t recommended that religious organizations operate without insurance. There are exposures that are typical for any business operation that can help be protected by insurance.
Reach out to your State Farm agent to determine what you may need to help protect your church or religious organization.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for ways to help keep your small business running smoothly? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third-party site. Access to third-party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third-party sites.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm Fire and Casualty Company
State Farm General Insurance Company
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)
Bloomington, IL
State Farm County Mutual Insurance Company of Texas
State Farm Lloyds
Richardson, TX
State Farm Fire and Casualty Company
Tallahassee, FL