Church Insurance in and around Owensboro, KY

Protecting your ministry, property, and mission with coverage you can trust.

Coverage Designed to Protect Churches and Ministries

From property to liability coverage, church insurance helps reduce unexpected losses. Speak with Elite Risk Advisors today — no obligation, no cost.

Church Insurance Coverage Options

Elite Risk Advisors offers a range of church insurance coverage options designed to help churches and ministries protect their property, leadership, and congregation. Understanding your coverage options makes it easier to choose protection that fits your church’s needs and mission.


Options for Church Insurance Coverage

 

Church Property Insurance

Helps protect church buildings, contents, and equipment from covered losses such as fire, storms, and vandalism.

General Liability Insurance

Provides coverage for bodily injury or property damage claims that may occur on church premises or during church-related activities.

Pastoral Professional Liability

Helps protect pastors, clergy, and church leadership against claims related to counseling, leadership decisions, or ministry services.

Workers’ Compensation

Provides coverage for employees and, in some cases, volunteers if they are injured while performing church-related duties.

Commercial Auto Insurance

Covers church-owned vehicles used for ministry activities, transportation, or outreach programs.

Sexual Misconduct & Abuse Liability

Provides protection against claims involving allegations of abuse or misconduct, an important coverage consideration for churches and ministries.

Directors & Officers (D&O) Insurance

Helps protect church board members and leadership from claims related to management decisions and governance.

Special Events Coverage

Offers short-term coverage for church events such as festivals, fundraisers, and community outreach activities.

Still have questions? These helpful answers might make things clearer.

What does church insurance typically cover?

Church insurance can include property coverage, general liability, leadership liability, workers’ compensation, and other protections designed specifically for churches and ministries.

 

Does church insurance cover volunteers?

Some policies can extend coverage to volunteers, depending on the coverage type and policy details. A licensed advisor can help clarify what protection is available.

 

Is church insurance required by law?

Requirements vary by situation. While insurance isn’t always legally required, many churches carry coverage to protect their property, leadership, and congregation.

 

Does coverage apply to off-site or special events?

Certain policies may cover church-sponsored activities and events held off church property. Additional event coverage may be recommended in some cases.

 

How much does church insurance cost?

Costs vary based on factors like building size, activities, staffing, and coverage selections. Elite Risk Advisors can help review options and provide guidance.

 

Is there an obligation if we request a quote or review?

No. There is no pressure and no obligation when speaking with an Elite Risk Advisors professional.

 

Ready to Get Started?

Step 1: Request a Church Insurance Policy Review

Getting started is easy. Whether you’d like to stop by for a friendly, face-to-face conversation or prefer to request your quote online from the comfort of home, we’re here to make the process simple. Tell us what you need, and our team will guide you from start to finish.

Give Us A Call

Step 2: Review & Compare Your Options

Once we gather your information, we’ll provide church insurance proposal packages tailored to your needs. We’ll walk you through how each option compares to your current coverage so you understand exactly what you’re getting. Whether you're hoping for better protection, lower rates, or both, our team is here to help you find the policy that fits just right.

Meet Our Team

Step 3: Finalize Your New Coverage

When you’re ready to lock in the policy, just say the word, and we’ll set up your new church insurance policy. 

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