Church Insurance

Custom Church Insurance Programs for Your House of Worship

Beacon is dedicated to offering insurance services exclusively to churches and religious organizations. Our team of licensed agents specialize in getting to know your business and creating a custom insurance program to fit your needs.
We specialize in coverages related to all denominations of churches and religious organizations, and our dedicated staff will be sure to answer any questions you may have, as well as provide solutions to your insurance needs.
At Beacon, we represent top-rated national carriers that have dedicated church insurance programs covering the many unique aspects of churches and religious organizations. Our main goal is to ensure our clients receive top notch customer service and are comfortable knowing our focus is on YOU.

Denominations we specialize in:

  • Baptist Churches
  • Lutheran Churches
  • Methodist Churches
  • Non-denominational Christian Churches
  • Presbyterian Churches
A comprehensive church insurance policy starts with General Liability and Property coverages and builds from there to cover your most important assets. Beacon’s package policies provide the flexibility of customizing insurance programs specific to your church and its unique needs. Options can include property, general liability, crime, sexual misconduct, directors & officers’ liability, automobile, worker’s comp and more. Beacon’s expertise and relationships with national brokers specificly for church insurance will find the coverage you need.

Church Insurance Packages

Include the following:
(click on each for more info):
Protection for when the church is legally liable for bodily injury or property damage to someone outside the organization’s staff (congregants, visitors, vendors, passerby, etc). More on General Liability Insurance
You take great pride in keeping your facilities and church belongings looking their best. Let us help you protect your physical assets from man-made and natural disasters. More on Property Insurance
Protecting your congregants and their guests when your ministry goes into the community. More on Accident Insurance
Whether you need coverage for a sedan used by pastoral staff or have a fleet of vans and buses, a commercial auto policy is essential. More on Automobile Insurance
Just as it sounds, crime coverage is protection against loss of money or securities from theft, burglary or embezzlement. More on Crime Coverage
Online giving portals and digital information cards have become the standard for many churches, allowing congregants to tithe from the four corners of the earth. Do you store your employee information on the cloud? Are you protected if those websites become compromised? As you all begin to explore more sophisticated technology, stretching the church’s message globally and reaching out via the internet, you need  protection from cyber threats, data breaches and the implications they hold. More on Cyber Liability Insurance
Non profits run by a board of directors must not only protect the church, but the board members themselves. Directors and Officers (D&O) protects the board from litigation costs associated with their professional work at the church. More about D&O Coverage
Employment Practices Liability is a valuable protection against employment related claims of harassment, negligence or mismanagement. More about Employment Practices Liability Insurance
International Travel is a wonderful ministry tool, but can be expensive, stressful and require significant planning. It can also be unpredictable, and the right insurance can provide peace of mind. More about International Travel Insurance
Sexual Misconduct and Molestation claims can destroy the reputation of an employee or an organization if not handled properly and not all policies are created equal. See more about Sexual Misconduct and Molestation Insurance
We all love a special event that draws in the community! Some of these events bring a set of exposures that fall outside the scope of traditional business and Special Event Coverage will fill in the gaps. See more about Special Event Coverage
Umbrella and Excess Liability Insurance provide an extra measure of coverage over and above the standard insurance policy. See more about Umbrella and Excess Liability Coverage
Worker’s Compensation coverage is a required policy for all entities that have four or more employees in the State of Florida. Each state has their own requirements and breakdowns of coverage available and we at Beacon are here to help! More about Worker’s Compensation insurance

Beacon Insurance Agency exclusively works with churches and religious organizations who help serve the community. In providing knowledgeable information on insurance coverage, we are fulfilling our purpose in helping you protect your church so it can continue to bless others.

Frequently Asked Questions About Church Insurance

What kind of insurance does a church need?

Every church is unique, and every state has different coverage requirements. A church in Idaho would not need hurricane coverage. Yet, they would have an interest in coverage to repair their boiler in the face of a blizzard. Each church needs a custom insurance package based on what they do and how they do it.

How often should a church review their insurance coverages?

Churches should work ahead to review their policy coverages before the next renewal. Make known any changes to your operations and any growth you experienced. You should also be aware of any changes in the industry that may effect you. If you have questions, ask your insurance agent for information about your church’s insurance coverage.

Does a church need to purchase separate insurance if opening a school?

Programs are available that allows your church to add a school or most nonprofit activities directly into your existing church insurance program. This includes Private Schools, Thrift shops, Meals on Wheels, Food Banks and Outreach programs.

Have questions about church insurance not answered here? Contact Beacon Insurance Agency to get answers to your questions today!

Speak With a Licensed Agent

Talk with one of our knowledgeable insurance agents about a package specific to your church.
Call us at 850-994-7944 today or

Terry Fortune has been our agent for property insurance coverage for several years... He has the customer’s interest in mind and he continually works to aid the customer, both in improved coverage or reducing premium cost. I highly recommend his services to other churches and businesses who are considering insurance coverage.
Mackey K.
Chairman, Insurance Committee
Church in Crestview, Florida
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