Your church building is often the most valuable asset your congregation owns. Property insurance covers the building, contents (pews, sound systems, organs, office equipment), and other structures like fellowship halls and parsonages.
Covers bodily injury and property damage claims from members, visitors, and the public. Slip-and-fall injuries, food-related illness at church suppers, and parking lot accidents are common claims.
This is one of the most critical -- and often overlooked -- coverages for any church. It covers claims of sexual misconduct involving church staff, volunteers, or programs. Many standard GL policies exclude or severely limit this coverage.
Protects church board members, deacons, elders, and trustees from personal liability for decisions they make on behalf of the church.
If your church has paid employees -- pastors, secretaries, custodians, music directors -- workers' comp is required in most Southeast states. Even small churches with a few part-time staff need this coverage.
If your church owns a bus or van for youth trips, senior outings, or Sunday pickup routes, you need commercial auto insurance. This is a significant liability exposure -- transporting church members creates serious responsibility.
We've been insuring churches across the Southeast for over 60 years. With 300+ carrier markets -- including specialty church insurance programs -- we'll make sure your congregation is properly protected. Free review, no obligation.
Get My Free Risk ReviewChurches are not standard commercial risks. They have unique exposures -- from volunteer-run activities and youth programs to counseling ministries and mission trips. A standard business policy will leave gaps. Specialty church insurance programs, available through carriers like Church Mutual, GuideOne, and Brotherhood Mutual, are designed specifically for houses of worship.
As an independent agency, Lee, Hill & Lee Insurance has access to these specialty markets plus 300+ other carriers. We've been serving Southeast congregations since 1963, and we understand the unique needs of churches in Georgia, South Carolina, North Carolina, Florida, and Tennessee.
From small rural churches to large multi-campus ministries, we provide tailored insurance solutions. Let us review your current coverage and make sure there are no gaps.
Start My Free QuoteChurches need property insurance, general liability, sexual abuse and molestation coverage, directors and officers liability, and often workers' comp and commercial auto. A comprehensive package typically costs $2,000-$8,000+ per year depending on building value, congregation size, and programs.
While there's no law requiring churches to carry property or liability insurance, workers' compensation is required if you have employees, and lenders require property coverage if you have a mortgage. Beyond legal requirements, the financial exposure of operating without insurance could be catastrophic to your congregation.
It depends on the policy. Workers' compensation only covers paid employees. However, many church insurance programs include volunteer medical coverage that pays for medical expenses if a volunteer is injured during church activities. This is an important coverage to verify with your agent.
Implement documented safety policies (background checks for all volunteers working with children, slip-and-fall prevention, food safety protocols). Install security cameras, fire alarms, and sprinkler systems. Maintain your building -- especially the roof and electrical systems. Work with an independent agent who can compare rates across specialty church carriers.