Church Liability Insurance — Coverage, Cost & Requirements

Churches host congregations, run community programs, employ staff, and maintain properties that welcome hundreds of visitors weekly — creating ongoing liability exposure that generic commercial policies often don't address adequately. A slip-and-fall in the parking lot, a child injured in a youth program, sexual misconduct allegations, or a fire that destroys a historic building can generate claims that overwhelm an underinsured church. Church liability insurance is specifically structured to include general liability for bodily injury on premises, commercial property for the building and contents, sexual misconduct liability, directors and officers coverage for leadership decisions, workers compensation for paid employees, and pastoral professional liability for counseling activities.