Church Insurance

A house of worship is a sacred place where family, friends and community gather.  Maintaining a safe, secure, and welcoming facility for your ministry comes with obvious and, at other times, unforeseeable risks.

While you would prefer your focus to be on spreading your message of faith, you may find yourself consumed with the fallout of an accident or emergency, property damage, or accusations and lawsuits without the protection church insurance can provide.

CLH Insurance has been a leader in the church insurance sector for over 50 years and is equipped with the knowledge, experience, and markets to make sure your church or ministry has the insurance protection it needs to thrive. 

Get started online with a FREE QUOTE or by calling us at 636.391.0700 or you can continue reading to learn more about how church insurance from CLH Insurance could be right for your ministry.


What types of church insurance are available?

Like other kinds of insurance, there are a variety of options to choose from in regards to church insurance. Most plans include property and liability coverage.

Property coverage protects buildings, signage, fences and contents from damage and theft. Some of the non-standard items that are covered include, but are not limited to, the following:

  • Stained glass windows
  • Equipment failure, including electronics
  • Fire and security alarm upgrades
  • Personal property loss worldwide, e.g., items lost on a mission trip

Liability coverage protects the ministry against claims of property damage or bodily injury that occur on church property or at a church-sponsored event. Enhanced liability coverage includes, but is not limited to, the following:

  • Personal injury liability
  • Teacher/governing board liability
  • Specialized emotional injury liability
  • Sexual misconduct liability
  • Directors, officers and trustees officers liability
  • Employee practices liability

It may be beneficial to add commercial auto insurance and workers compensation to your church insurance policy for added protection.


Make the most of your church insurance.

In addition to your property and liability coverage, you can add a variety of optional coverages so your policy is customized to your church’s needs. These can include the following:

  • Lost wage coverage
  • Key person replacement coverage
  • Computer fraud coverage
  • Flood coverage


Get started today!

Our staff has been serving the Missouri, Kansas and Illinois church insurance markets for years and can find the best policies for your church and/or ministry based on its specific needs. Call us today at 636.391.0700, email us at, or get started on a free quote.  

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