Church and Religious Organization Insurance Coverage Checklist
The coverages a church and religious organization business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for houses of worship. Priorities reflect typical exposure; confirm against ministries, counseling, and transportation.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers injuries on church property and at church events. | Core | |
| Abuse & Molestation | Covers abuse allegations — often excluded or sublimited; confirm the limit. | Core | |
| Pastoral Professional Liability | Covers claims arising from clergy counseling. | Prevalent | |
| Directors & Officers (incl. EPL) | Covers board decisions and employment claims. | Prevalent | |
| Commercial Property (incl. | Arson) Covers buildings and contents, including fire from a deliberate attack. | Core | |
| Active Assailant / Workplace Violence | Covers response costs, crisis management, and victim expenses after an attack. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for a violent attack. The 2025 Michigan church attack combined a vehicle, gunfire, and arson during Sunday services — and many church policies weren't built for crisis costs, victim expenses, and business interruption from such an event. Congregations should review active-assailant coverage, plan for vehicles and fire as well as firearms, and review plans with local police.
Send us the checklist and we'll review your church and religious organization coverage line by line, then market it across multiple carriers that compete for your account.
Related: Church and Religious Organization Insurance · Church and Religious Organization Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a church and religious organization business need?
The core coverages for a church and religious organization business are Commercial General Liability, Abuse & Molestation, Commercial Property (incl.. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my church and religious organization coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.