Property up to $5M TIV
Property capacity for eligible church buildings and related structures, subject to underwriting and state availability.
Churches & Places of Worship
Church Insurance for
Houses of Worship
Help retail insurance agents and brokers protect their clients' property, congregation, clergy, employees, and volunteers with wholesale church insurance solutions for houses of worship and religious organizations.
Wholesale Church Insurance
Coverage for churches, ministries, and religious organizations
Greenwood General gives retail insurance agents and commercial insurance brokers access to church insurance markets for churches, synagogues, mosques, temples, ministries, chapels, and other places of worship. Available options may include church property insurance, church liability insurance, commercial package, clergy counseling errors and omissions, sexual and physical abuse liability, assault and battery options, and related specialty coverages for places of worship and religious organizations — subject to underwriting. Explore all of our wholesale commercial insurance markets.
Greenwood General is licensed in 47 states and does not currently write business in Florida, Georgia, or New York. Program availability still varies by class, carrier, operations, property condition, loss history, and underwriting guidelines.
Program Highlights
Built for common church and place of worship exposures
Broad coverage options, competitive pricing, and a clear submission process help brokers move eligible church accounts from intake to quote with fewer delays, subject to underwriting.
Clergy counseling E&O
Clergy counseling errors and omissions coverage may be available as part of an eligible package placement.
Sexual abuse & molestation
Coverage may be included on eligible placements, with limits available up to $1M.
Assault & battery options
Limited assault, battery, or assault and battery endorsements may be available at $25K/$50K limits.
A-rated carrier options
A-rated carrier options may be available for eligible church and nonprofit accounts, depending on the selected market.
Monoline coverage options
Property, general liability, and abuse and molestation may be available on a monoline basis.
Package premiums from $1,500
Commercial package minimum premiums start at $1,500 outside Texas, subject to underwriting approval.
Responsive underwriting
Broker-focused guidance helps reduce missing information and keep eligible church submissions moving.
Coverage Options
Insurance solutions for church organizations
Coverage can be structured as monoline property, monoline liability, commercial package, or specialty protection depending on the account, subject to underwriting.
Commercial package
Combine property and liability protection into one coordinated placement for eligible churches and places of worship.
- Property and general liability
- Clergy counseling E&O available
- Abuse and molestation options
- Starting at $1,500 minimum premium
Church property insurance
Commercial property coverage for sanctuaries, fellowship halls, offices, classrooms, and related structures.
- Up to $5M TIV
- Same-day quotes on eligible risks up to $1.5M
- Monoline property available
- Statement of values required when applicable
Church liability insurance
General liability coverage for premises, congregation activities, volunteers, and common church operations.
- Monoline general liability available
- Premises and operations protection
- Volunteer and event exposures considered
- Optional assault and battery endorsement
Abuse & molestation
Coverage designed to address sexual and physical abuse allegations involving church employees, clergy, or volunteers.
- Limits available up to $1M
- May be included on eligible packages
- Monoline coverage may be available
- Minimum premium starting at $750
Clergy counseling E&O
Professional liability protection for allegations arising from pastoral or clergy counseling services.
- Available on eligible package policies
- Designed for pastoral counseling exposures
- Subject to underwriting review
- Coverage terms vary by carrier
Additional coverage options
Additional protection may be available based on the church's operations, property, and activities.
- Business income
- Equipment breakdown
- Crime coverage
- Excess liability
Minimum Premiums
Church insurance premium guide
Minimum premiums vary by coverage, state, property characteristics, and underwriting. The amounts below are starting points and do not guarantee eligibility or final pricing.
| Coverage | Standard Minimum | Texas Minimum |
|---|---|---|
| Monoline Property | $750 | $1,200 |
| General Liability | $750 | $850 |
| Commercial Package | $1,500 | $2,200 |
| Monoline Abuse & Molestation | $750 | Subject to review |
Eligible Risks
Common classes we frequently review
Eligibility varies by carrier, state, operations, property condition, and loss history.
- Churches
- Places of Worship
- Synagogues
- Mosques
- Temples
- Chapels
- Religious Ministries
- Community Churches
- Independent Churches
- Non-Denominational Churches
- Baptist Churches
- Methodist Churches
- Lutheran Churches
- Pentecostal Churches
- Catholic Churches
- Religious Organizations
- Church Offices
- Fellowship Halls
Submission Requirements
Send a complete submission for the fastest review
- Completed ACORD 125
- Completed ACORD 126
- Church supplemental application
- Currently valued loss runs
- Statement of values for property submissions
- Additional details on schools, childcare, counseling, or special events
Frequently Asked Questions
Church insurance questions
How quickly can brokers receive a church insurance quote?
Same-day quotes may be available for eligible church properties with total insurable value up to $1.5M when a complete submission is provided. Other submissions are generally reviewed within 24 hours, depending on complexity.
What church insurance coverages are available?
Available options may include commercial property, general liability, commercial package, clergy counseling errors and omissions, sexual abuse and molestation, monoline abuse and molestation, and limited assault and battery coverage.
What is the maximum church property value available?
Church property coverage may be available for total insurable values up to $5M, subject to underwriting review, property condition, location, and state availability.
Is monoline abuse and molestation coverage available?
Yes. Monoline abuse and molestation coverage may be available with minimum premiums starting at $750, subject to underwriting approval and required safeguarding information.
What are the minimum premiums for church insurance?
Minimum premiums start at $750 for monoline property, $750 for general liability, $1,500 for commercial package, and $750 for monoline abuse and molestation. Texas minimum premiums are higher for property, general liability, and package coverage. Amounts are starting points, subject to underwriting.
Is clergy counseling coverage available?
Clergy counseling errors and omissions coverage may be available on eligible commercial package policies, subject to underwriting.
Is sexual abuse and molestation coverage included?
Sexual and physical abuse coverage may be included on eligible placements, with limits available up to $1M. Terms vary by carrier and underwriting.
Can assault and battery coverage be added?
A limited assault, battery, or assault and battery endorsement may be available with $25K/$50K limits, subject to underwriting approval.
What should brokers submit for a church insurance quote?
Submit completed ACORD applications, a church supplemental application, currently valued loss runs, and a statement of values when property coverage is requested.
Do brokers need to be appointed before submitting?
No. Brokers may submit a church risk before completing an appointment. If the account moves forward, appointment can be completed afterward.
What types of religious organizations may be eligible?
Eligible organizations may include churches, synagogues, mosques, temples, ministries, chapels, and other qualifying places of worship. Eligibility depends on operations, property condition, loss history, and the selected market, subject to underwriting.
Can churches with schools, childcare, or counseling operations be considered?
They may be considered, though additional underwriting information is typically required. Eligibility depends on the operations, safeguards, staffing, loss history, and the selected market.
Is church insurance available as a package or monoline policy?
Yes. Property, general liability, commercial package, and certain specialty coverages may be available on a package or monoline basis, depending on the account and the selected market.
Ready to Submit?
Help your clients protect their place of worship with confidence
Send your church insurance submission to Greenwood General for access to property, liability, package, clergy counseling, and abuse and molestation coverage options — or contact our underwriting team with questions on eligibility.