Church Mutual has been insuring religious organizations since 1897. That history is meaningful, but it does not mean they are automatically the right fit for your congregation. Here is what we have seen.

GuideOne has been insuring churches for decades and markets itself as a ministry specialist. Here is what we have actually seen working with their policies, and where they fall short.

Most churches assume their property insurance covers any fire loss. It does not if your building has unresolved fire code violations. Here is what you need to know before a loss happens.

Your church property policy covers equipment inside the building. When gear leaves for events, outreach, or transit, a different coverage takes over. Here’s what inland marine insurance does.

Standard church property insurance doesn’t cover equipment that fails from within. Here’s the coverage gap most churches don’t know they have until it’s too late.

The ministerial exception protects churches from many employment discrimination claims but is not a blanket shield. Here’s what it covers, where it ends, and why EPLI still matters.

When a fire, flood, or disaster forces your church to stop operating, lost income and extra expenses can hit harder than the property damage. Here’s what business interruption insurance covers and what it doesn’t.

Most church property policies exclude ordinance and law costs. Here’s what that gap means when a major loss triggers a building code upgrade your coverage won’t pay for.

Most church general liability policies contain an assault and battery exclusion buried in the fine print. Here’s what that means when a confrontation on your property turns into a claim, and how to make sure your congregation isn’t left without coverage.

Before a growing congregation signs a lease on a new property, zoning law can make or break the entire plan. Here’s what churches need to know about special use permits, variance applications, and the real cost of skipping this step.

When a senior pastor steps away unexpectedly, organizational stability can unravel fast. Clergy disability and life insurance protects both the ministry family and the congregation from the financial disruption that follows.

Church basketball leagues, volleyball tournaments, and after-school programs are a major ministry investment. Here’s why standard church policies often exclude these activities and what coverage athletic programs actually require.

Off-site events carry liability exposure that your in-church policy may not follow. Here’s what every congregation needs to review before the next retreat, camp, or off-site ministry event.

Church insurance policies are dense, technical documents. Here’s a practical guide to understanding declarations pages, exclusions, and limits so your board knows exactly what your coverage does and doesn’t include.