When churches request insurance quotes, it’s important to understand what types of coverage are typically included—and what might be excluded or require additional options. Here’s how Nolan Jackson Insurance breaks it down:
What’s Included in Church Insurance Quotes
1. Property Coverage for Church Facilities & Assets
Quotes generally include protection for church-owned buildings, business personal property, ministers’ personal effects, stained glass windows, outdoor signage, mission trip items, and newly acquired property, including valuable papers and electronic data. Appurtenant buildings, property in transit, and ordinance or law provisions may also be covered.
2. Liability Coverage for Ministries
Standard liability protection often covers church-sponsored activities, spiritual counseling, crisis response, and general liability—commonly with high limits of up to $1 million per occurrence and $2 million aggregate.
3. Specialized Coverage Options
Quotes may also include or offer add-ons such as:
- Educators legal liability (for schools or educational ministries)
- Sexual misconduct and counselor liability
- Business auto, cyber liability, employment practices liability, and international travel insurance.
4. Package Solutions & Additional Coverage
Churches often receive packaged options, including multi-peril protection tailored to their unique structure (e.g., church-run schools or tenant churches).
5. Expert Advice & Policy Reviews
Nolan Jackson emphasizes a customized approach—reviewing your ministry’s evolving needs, identifying cost-saving opportunities, and providing ongoing support.
What’s Typically Not Included (or Requires Add-Ons)
While coverage is quite comprehensive, certain risks may not be included in base quotes and could require extra options:
- Nominal exclusions or unlisted risks not explicitly mentioned on the coverage page (e.g., fine art, rare collectibles, or specialized event formats)
- Worker’s compensation, unless specially added, coverage is focused more on liability, property, and mission-related exposures
- Highly specific ministries or activities that fall outside standard offerings, like large-scale international outreach, high-risk events, or custom facilities—these may need tailored endorsements or specialty policies
- Routine maintenance or structural upgrades—most policies focus on sudden or accidental damage rather than wear and tear
Summary Breakdown
| Included in Quotes | Not Typically Included / Needs Add-Ons |
| Property (buildings, contents, signage, data, transit) | Worker’s compensation (unless requested separately) |
| Liability (general, ministries, high limits) | Highly specialized or unique ministry risks |
| Specialized coverage (educators, misconduct, cyber, travel) | Ongoing maintenance or wear-and-tear coverage |
| Package options and multi-risk protection | Items not explicitly listed in policy descriptions |
| Personalized service, reviews, cost-saving strategies | Extremely high-value or unusual properties or events |
When comparing insurance quotes for churches, you can expect strong foundational coverage for property, liability, and specialty exposures tailored to faith-based organizations. However, to ensure your entire ministry is protected, be sure to ask about—and possibly include—add-ons such as workers’ compensation, high-risk activity coverage, or special property endorsements.
Protect your ministry with coverage that truly fits your needs. Contact Nolan Jackson Insurance today for a personalized church insurance quote and keep your mission safe.