Georgia Church Insurance

Georgia Church Insurance

Places of worship play a vital role in Georgia’s communities—offering spiritual guidance, community support, and outreach programs. Just like any organization, churches face a range of risks that can threaten their property, finances, and mission. That’s where church insurance comes in.

Whether you’re overseeing a small rural congregation or a large urban ministry, understanding and securing the right insurance coverage is crucial to safeguarding your church, mosque or synagogue and its people.

What Is Church Insurance?

Church insurance refers to a specialized package of policies designed to protect religious institutions from financial losses due to property damage, liability claims, employee issues, and more. It combines elements of commercial insurance with unique protections tailored to the needs of faith-based organizations.

Why Do Churches in Georgia Need Insurance?

Churches in Georgia face several risks, including:

  • Storm damage from hurricanes and tornadoes

  • Fire or theft

  • Slip-and-fall accidents on church grounds

  • Auto accidents during church-sponsored trips

  • Lawsuits related to counseling, youth programs, or volunteers

Without proper insurance, a single incident could lead to significant financial hardship or even force a church to close its doors.

Most churches and religious organizations have some standard insurance needs:

Property Coverage
Your church, synagogue, mosque or other religious organization may consist of one or more buildings, but you likely have many other items of value that need to be covered.  Permanently installed organs, pews and alters.  You must also consider personal effects of clergy, employees and guests. 

General Liability insurance covers the church or religious organization’s legal liability from 3rd party bodily injury or property damage claims that arise from your organization’s activities. 

Commercial Auto
Your Georgia church or religious organization will likely need coverage for leased vehicles, owned vehicles and / or coverage for hired-car damage or lease gap.  We can help make sure you have the right amount of coverage as well as keeping you in compliance with Georgia regulations. 

Other insurance options for your Georgia church, synagogue, mosque or other organization:

  • Day Care and School Medical - Provides excess payments of medical expenses for accidents resulting from activities scheduled and supervised by your church or on its behalf.
  • Interscholastic Athletic Medical - Provides Excess payments of medical expenses for accidents that might result from practicing, instructing, and participating in athletic events.
  • Directors & Officers
  • Umbrella policy
  • Workers Compensation

Legal Requirements for Georgia Churches

While general liability and property insurance are not legally required, churches must comply with state laws in some areas:

  • Workers’ Compensation: Required if the church has 3 or more employees.

  • Commercial Auto Insurance: Required for all church-owned vehicles operating on public roads.

Additionally, many banks require property insurance as a condition of mortgage financing.

Church insurance is not just about financial protection—it’s about ensuring your ministry can continue to serve your community without interruption. In Georgia’s diverse and vibrant faith landscape, the right insurance policy offers peace of mind, allowing your church to focus on its mission.

We would love to help.  Give us a call!