Church Insurance for Small Congregations: A Complete Guide for Massachusetts Churches
Running a small church in Massachusetts comes with unique challenges, and finding the right insurance coverage shouldn’t be one of them. Whether your congregation has 25 members or 100, we understand that every dollar counts and every risk matters.
At Hale Street Insurance, we’ve worked with dozens of small churches across the Commonwealth, and we’ve learned that smaller congregations often face the same liability exposures as larger ones—but with tighter budgets. That’s why we’ve put together this comprehensive guide to help Massachusetts church leaders understand their insurance options.
Why Small Churches Need Specialized Coverage
Many small church leaders assume they can get by with a basic property policy. Unfortunately, this leaves congregations exposed to significant risks. Here’s what we typically recommend for churches under 100 members:
General Liability Insurance - This is your foundation. It protects against slip-and-fall accidents, property damage claims, and personal injury lawsuits. Even a small church potluck can lead to a foodborne illness claim.
Property Coverage - Whether you own your building or rent space, you need protection for your assets. This includes pews, sound equipment, musical instruments, and office computers.
Running a small church in Massachusetts comes with unique challenges, and finding the right insurance coverage shouldn’t be one of them. Whether your congregation has 25 members or 100, we understand that every dollar counts and every risk matters.
At Hale Street Insurance, we’ve worked with dozens of small churches across the Commonwealth, and we’ve learned that smaller congregations often face the same liability exposures as larger ones—but with tighter budgets. That’s why we’ve put together this comprehensive guide to help Massachusetts church leaders understand their insurance options.
Why Small Churches Need Specialized Coverage
Many small church leaders assume they can get by with a basic property policy. Unfortunately, this leaves congregations exposed to significant risks. Here’s what we typically recommend for churches under 100 members:
General Liability Insurance - This is your foundation. It protects against slip-and-fall accidents, property damage claims, and personal injury lawsuits. Even a small church potluck can lead to a foodborne illness claim.
Property Coverage - Whether you own your building or rent space, you need protection for pews, sound equipment, musical instruments, and office computers.
Directors and Officers (D&O) Insurance - Your board members make decisions that could expose them to personal liability. D&O coverage protects them from lawsuits related to governance decisions.
Sexual Misconduct Liability - This coverage is essential for any organization working with children. It provides legal defense and settlement coverage if allegations arise.
Getting Started
If you’re a small church leader in Massachusetts looking for insurance guidance, we’re here to help. Call us at 978.712.0111 to schedule a free coverage review. We serve congregations throughout Greater Boston, the North Shore, and all of Massachusetts.
