Church / House of Worship / Religious Organization Liability & Loss 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.

For more information about risk, read our article: "Risk Management for Churches and Schools".

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

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.

Program Benefits
Available Optional Coverages

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.