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Securing Sanctuary: A Guide to Church Insurance

The exterior of a quaint country church

If you’re running a church or involved in its management, you know there’s a lot on your plate. Among those responsibilities, keeping your church and its community safe should be at the top. That’s where church insurance coverage comes in. 

Here at Fassbender Insurance, we’ve got years of experience crafting specialized insurance plans for churches in Louisiana and Mississippi. We understand the unique needs of religious organizations and how to offer you the peace of mind you’re looking for.

Stay with us as we dive into why insurance is critical for churches and what coverages you should consider. Finally, we’ll look at how church insurance is different from regular business insurance. By the end, we hope you’ll have a better understanding of why church insurance is so critical.  

Why Churches Need Insurance

Church pews Protection of Assets and Community

The reality is, churches are much more than just buildings. They’re community hubs, places of worship, and sometimes even schools or event spaces. 

That said, they’re also physical structures with assets that can be damaged or lost. Fires, floods, or theft can happen to anyone, churches included. Insurance is your safety net, making sure that if the worst does happen, you’re not left stranded.

Legal Obligations

Beyond just being a smart move, having insurance can sometimes be a legal must-have. Depending on state laws, and the activities of your church, you may be legally required to have certain coverages. 

Failing to meet any legal obligations can result in fines or even more severe consequences. So, insurance isn’t just about playing it safe; it’s about playing by the rules.

Types of Insurance Policies Churches Should Consider

Teenagers at a church serviceGeneral Liability Insurance

When folks gather at your church, accidents can happen. That’s where General Liability Insurance comes in. It covers any accidents and injuries that might happen on church property. At Fassbender Insurance, we usually recommend at least $1 million in coverage to keep you on the safe side.

Property Insurance

Own the building your church is in? You’ll want Property Insurance. It’s not just about the building; it’s about everything inside—like pews, sound systems, and even the community kitchen supplies. This policy has you covered.

Workers’ Compensation

If you’ve got employees, you need Workers’ Compensation insurance. Why? Well, if anyone gets hurt on the job, this policy helps cover their medical bills and lost wages.

Commercial Auto Insurance

Does your church have a van for community outings or missions? Commercial Auto Insurance is a must. It covers any church-owned vehicles and everyone inside in case of an accident.

How Church Insurance Differs from Regular Business Insurance

A loaf of bread and glass of wine representing the Christian sacrament of communionUnique Risks

Churches aren’t just buildings; they’re community hubs, places of worship, and so much more. That’s why they face unique risks, like specific religious activities that aren’t covered under standard policies. Specialized policies are the key to covering these exceptional cases.

Sexual Misconduct Liability

Unlike most businesses, churches often have close-knit, trust-based relationships with their community. This makes them more susceptible to claims of sexual misconduct. That’s why this specific type of liability insurance is often more necessary for churches.

Occurrence Form Coverage

Ever heard of Occurrence Form General Liability coverage? It’s a type of policy that covers incidents that occur during the policy term, even if the claim comes later. It’s not common in regular business insurance, but it’s often offered for churches to give them extra peace of mind.

Community Interactions

Churches are all about community. From bake sales to summer camps, churches often host events that aren’t strictly religious. These activities bring joy but also additional risks. 

That’s why church insurance usually needs to be more comprehensive. It covers a range of events that a typical business wouldn’t need to worry about.


Understanding the ins and outs of insurance isn’t just red tape. It’s vital for the long-term health and safety of your church community. 

If you’re a church in Louisiana or Mississippi, don’t navigate these complex waters alone. Reach out to Fassbender Insurance. Our team are experts in crafting tailored insurance solutions that cover all your bases. 

As an insurance broker, we’ll not only help you find the right policies, but the right insurance company as well. That way you can focus on what really matters—your community.

Ready to get the peace of mind your church deserves? Contact us today for a personalized consultation.