Churches are more than just buildings; they are places of worship, community gatherings, and support for the spiritual and social needs of their members. But like any other organization, churches are also vulnerable to risks that can have a significant financial impact. That’s why having the right insurance coverage is essential for protecting your church’s assets and ministries.

Here are five key coverages that every church should consider:

1. General Liability Insurance

General liability insurance protects your church from financial losses if someone is injured on your property or as a result of your church’s activities. This could include things like slip-and-fall accidents, injuries caused by falling objects, or even food poisoning from a church potluck. General liability insurance will also cover your legal fees if you are sued.

2. Property Insurance

Property insurance protects your church’s buildings and contents from damage or loss. This could include damage from fire, theft, vandalism, weather events, and even power outages. Property insurance can also cover the cost of rebuilding or repairing your church if it is damaged.

3. Workers’ Compensation Insurance

If your church has any employees, you are required by law to carry workers’ compensation insurance. This insurance will cover medical expenses and lost wages if an employee is injured on the job.

4. Directors and Officers (D&O) Liability Insurance

D&O liability insurance protects your church’s board members and other volunteers from personal liability if they are sued for decisions they make in their roles. This could include things like breach of fiduciary duty, mismanagement of funds, or even discrimination.

5. Cyber Liability Insurance

In today’s digital age, churches are increasingly vulnerable to cyberattacks. Cyber liability insurance can help protect your church from financial losses if you experience a data breach, ransomware attack, or other cyber event.

Additional Coverages to Consider

In addition to the five key coverages listed above, there are several other coverages that churches may want to consider, such as:

  • Professional liability insurance: this coverage protects your church’s clergy and other staff from liability if they are sued for professional negligence.
  • Sexual misconduct liability insurance: this coverage can help protect your church from the financial costs of defending against claims of sexual misconduct.
  • Equipment and machinery breakdown insurance: this coverage can help cover the cost of repairing or replacing your church’s equipment if it breaks down.

The best way to determine what insurance coverage is right for your church is to talk to an insurance agent specializing in church insurance. They can help you assess your risks and develop a customized insurance plan that meets your specific needs.

In addition to the coverages listed above, churches should also consider the following:

  • The size and age of your church building
  • The number of people who use your church facilities
  • The types of activities that your church hosts
  • Your church’s budget

By taking all of these factors into account, you can choose the right insurance coverage to protect your church from the unexpected.

Finally, we would like to emphasize that having the right insurance coverage is essential for any church. It can help you protect your church’s assets and ministries from financial losses and give you peace of mind knowing that you are covered in the event of an unexpected event.




COVA Insurance has been meeting the needs of our customers since 2019. As a full-service insurance agency built on the foundation of customer loyalty and trust, our aim is to develop long-term relationships with our clients.

We serve the Hampton Roads Area as well as all of Coastal and Inland Virginia. We hold insurance licenses in Virginia, North & South Carolina, Tennessee, Kentucky, Pennsylvania, Maryland, and Florida.