General Liability: General liability insurance is one of the most common types of liability insurances. This insurance covers claims regarding bodily injury or property damage someone may sustain while on the church’s property. It can provide compensation for the victim’s medical bills related to the injury and protect the church if faced with a lawsuit regarding the accident. 

Professional Liability: Professional liability insurance covers specialized services or professions. If your church performs burials, cremations or other specialized services, it could face lawsuits regarding mistakes made during those services. This insurance is also known as errors and omissions liability (E&O insurance) depending on the industry. When it comes to churches, you may hear it referred to as “pastoral counseling liability insurance.” 

Umbrella Liability: Umbrella liability insurance provides compensation for liability claims if your other insurance policies reach their maximum. For example, if your general liability policy goes to $1 million and your church is sued for $2.5 million, an umbrella liability policy will help cover the remaining $1.5 million. 

Commercial Property Insurance: Commercial property insurance covers the physical assets owned by the church, such as the building and its attached structures, pews, etc. in case of damage due to fire, wind, hail, lightning, smoke, theft, vandalism and more. 

Building Ordinance Coverage: Building ordinance coverage helps with costs associated to updates and repairs that are required to be up-to-code. If the church must make certain updates, this insurance can help pay for them. 

Fine Arts Insurance: There are a lot of fine art pieces within churches that may not be covered under basic property insurance. Fine arts insurance helps cover paintings, religious artifacts, stained glass and more.