Insurance for Churches & Nonprofits
Protection for your congregation, staff, volunteers, and mission.
Churches & Nonprofits Insurance for Dallas, GA, Paulding County & Metro Atlanta
Prefer to text? Alt. Phone: (678) 224-9333 · Text us
Churches and nonprofits have their own risks: volunteers, youth programs, counseling ministries, and buildings used for far more than a Sunday morning. We build coverage that reflects the full scope of what your organization actually does.
Coverage We Build Around Your Business
What churches & nonprofits insurance typically includes.
- Property Insurance: sanctuary, offices, fellowship halls, and contents
- General Liability: injury or property damage claims tied to events and daily operations
- Directors & Officers (D&O): protects board members and leadership from management-related claims
- Abuse & Molestation Coverage: a critical coverage, often excluded, for any organization working with minors
- Workers' Compensation: required coverage for paid staff
- Volunteer Accident & Liability: coverage extended to unpaid volunteers
Real Risk, Real Coverage
Common risks for churches & nonprofits, and how coverage responds.
An allegation arises from a youth program, and standard general liability doesn't respond.
Abuse & molestation coverage is a separate policy addition that many churches assume is automatically included. It usually isn't, and going without it is one of the biggest gaps we see.
A board decision is challenged and leadership faces a lawsuit.
Directors & Officers coverage protects the personal assets of board members and leadership from claims tied to management decisions.
A volunteer is injured helping during a church event or work day.
Volunteer accident coverage can help with medical costs, since workers' comp typically doesn't extend to unpaid volunteers.
Questions We Hear Often
Churches & Nonprofits insurance FAQs.
Do we need abuse & molestation coverage if we run background checks?
Yes. Background checks are good practice but don't replace insurance coverage. Abuse & molestation coverage is a separate policy addition most churches need explicitly, since it's excluded from standard general liability.
Are our volunteers covered under workers' compensation?
Generally no. Workers' comp covers paid employees. Volunteer accident and liability coverage is a separate, and often overlooked, addition worth discussing if you rely on volunteers regularly.
Does our policy cover events held off our regular property, like a retreat or off-site outreach?
It depends on your policy's terms. Many church policies can be extended to cover off-site events, but this should be confirmed in advance rather than assumed.
What does Directors & Officers coverage actually protect against?
It protects board members and leadership personally if the organization is sued over a management decision, such as a hiring dispute or a policy change. Without it, those individuals could be personally exposed.
Related Coverage
Other industries we cover nearby.
Let's build coverage around your churches & nonprofit.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
Prefer to text? Alt. Phone: (678) 224-9333 · Text us