July 27th, 2017

Church, House of Worship, & Religious Organization Insurance Coverage

Insurance for Churches and Houses of Worship

Your facility is a special place for your members, guests, students, and residents. However, without proper insurance protection, this secure, comfortable environment could be jeopardized. The staff at AMIS understands how important it is to have the right protection. We offer a wide range of customized insurance coverages to meet your needs and budget.

We provide property, liability, and commercial automobile insurance to churches, monasteries, convents, religious organizations, religious shrines, temples, synagogues, retreat houses, denominational offices, schools, camps, and senior living facilities. We are the one of the leading insurance brokers for worship centers and related institutions in the United States.

Coverage is available in all states and it is underwritten by insurance companies that are rated "A" or better by A.M. Best Company, a leading industry organization that monitors the strength of insurance companies. This rating means that the insurance company is considered "excellent" in important areas like stability, management expertise, and the ability to meet their financial obligations.

All Insurance Agents/Brokers are welcome to submit an
application for a church or non-profit organization.

Personal service. You'll receive personal service from specialized insurance professionals and knowledgeable customer service experts. Our staff works with religious organizations day in and day out.

Your no-cost, no-obligation insurance needs analysis and proposal of coverage will be designed specifically for your ministry. It is ideal to use as a benchmark when reviewing your present coverages.

EXAMPLES OF FACILITIES AND ORGANIZATIONS WE INSURE:

  • Assisted Living Facilities
  • Camps
  • Church Offices
  • Churches
  • Colleges
  • Conference Centers
  • Convents
  • Day Care Facilities
  • Houses of Worship
  • Monasteries
  • Nursing Homes
  • Religious Organizations
  • Religious Shrines
  • Retreat Houses
  • Schools
  • Senior Living Facilities
  • Sunday Schools
  • Synagogues
  • Temples
  • Worship Centers
  • Other Non-Profits
  • All Denominations

Please contact us with any questions about coverage for your specific need.

Houses of Worship

Comprehensive and specialized coverage. We offer property, general liability, sexual molestation/misconduct liability, professional liability, employment practices liability, employee benefits liability, auto, and umbrella liability insurance. The property and liability coverages are designed specifically for the exposures of religious ministries.

Schools and Colleges

Comprehensive and specialized coverage. We offer property, general liability, sexual molestation/misconduct liability, professional liability, employment practices liability, employee benefits liability, educators legal liability, auto, and umbrella liability insurance. The property and liability coverages are designed specifically for the exposures of religious ministries.

Camps and Conference Centers

Comprehensive and specialized coverage. We offer property, general liability, sexual molestation/misconduct liability, professional liability, employment practices liability, employee benefits liability, auto, and umbrella liability insurance. The property and liability coverages are designed specifically for the exposures of religious ministries.

Denomination and Association Offices

Comprehensive and specialized coverage. We offer property, general liability, sexual molestation/misconduct liability, professional liability, employment practices liability, employee benefits liability, auto, and umbrella liability insurance. The property and liability coverages are designed specifically for the exposures of denomination and association offices.

Senior Living Facilities

Comprehensive and specialized coverage. We offer property, general liability, professional liability, employment practices liability, employee benefits liability, auto, and umbrella liability insurance. The property and liability coverages are designed specifically for the exposures of assisted living facilities and apartments for the elderly.


This Program is Underwritten by an A+ rated Insurer

Liability

  • Comprehensive General Liability − Limits to $3,000,000
  • Abuse & Molestation coverage available for qualified accounts
  • Personal Injury Liability
  • Employee Benefits Liability
  • Volunteers and Church Members as Additional Insureds
  • Coverage for Fund-Raising Events
  • Amended definition of bodily injury to include mental anguish
  • Umbrella Limits − up to $10,000,000

Property

  • Blanket Limits with large in-house capacity
  • Special Causes of Loss on Building, Contents, Loss of Income and Extra Expense
  • Water Backup of Sewers and Drains or Sumps − $25,000
  • Sign Coverage
  • Stained Glass Coverage
  • Ordinance & Law Coverage − Included up to Building Limit
  • Fine Arts − $25,000
  • Agreed Value Endorsement available with property appraisal

Automobile

  • 15 passenger vans and buses are acceptable exposures
  • Non-owned and hired car coverage available
  • Volunteers as Insureds coverage available
  • Rental Reimbursement for Private Passenger Vehicles

Crime & Fidelity

  • Employee Theft (Blanket Fidelity)
  • Money & Securities
  • Forgery or Alteration

Directors and Officers Liability (D&O)

  • Specifically designed for religious organizations
  • True entity coverage
  • Spousal coverage
  • Coverage for defense costs for any actual or alleged breach of contract agreements, except breach of employment contract claims − $25,000
  • Coverage available for breach of employee contract claims
  • Primary limits up to $5,000,000 with excess limits available
  • Broad definition of claim includes written demand for monetary and non monetary relief, arbitration and administrative proceedings, as well as civil and criminal actions
  • Punitive, multiple and exemplary damages coverage
  • Modified hammer clause (50/50)
  • Defense for Americans with Disabilities Act claims
  • Worldwide coverage territory

Foreign Commercial Package Policy

  • Provides coverage for occurrences and suits brought in foreign countries, whereas most domestic policies only cover suits brought in the U.S.

Accident Protection

  • Youth and Amateur Sports Organization
  • Youth and Adult Activities Groups
  • Volunteer Groups
  • Child Care Centers
  • Special Events

Application Information - Request a Quote

For many of our coverages you can quickly request a quote using our online quick-quote forms. At the bottom of each quick quote form you can indicate the urgency of your request. If you have any questions, please call or email the person indicated in the contact area for this coverage.

NOTE: All applications must be underwritten and a quotation will be issued subject to underwriting guidelines. THE QUOTE DOES NOT BIND COVERAGE.

Religious Organization General Liability Insurance Application - PDF Form

Religious Organization Supplemental Insurance Application - Word Form

Instructions: PDF Application Forms
To protect your privacy, please DO NOT EMAIL PDF application forms to us.
  • Complete the PDF application forms on your computer.
  • Print the applications
  • Sign the applications
  • Fax the completed form and any other materials to: (760) 471-9378 or (800) 573-8550.

Contact Us

Your AMIS representative is Sean Nowell. Please call him at
(800) 843-8550 or (760) 471-7116, or email him using the link below.

For all Church related applications:

Contact: Sean Nowell

Request a Quote

Category:

Go to the Application Center

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