Your Church Deserves More Than a Generic Insurance Policy
Here's what we've learned after working with churches across Georgia, Alabama, and Tennessee: your ministry isn't a typical business, and it shouldn't be insured like one.
When a church van transports youth to summer camp, when volunteers serve meals to the homeless, when your building hosts community events six days a week — these aren't standard business activities. They're ministry. And ministry comes with unique risks that require specialized protection.
At INS., we understand what keeps pastors and church leaders up at night. We've built our church insurance practice around one simple truth: you need coverage that protects your mission without draining resources meant for ministry.
Why Churches Need Specialized Insurance Coverage
Most commercial insurance policies are designed for retail stores, restaurants, and office buildings. Churches operate differently:
You have volunteers, not just employees. What happens when a well-meaning volunteer gets injured setting up for VBS? Standard workers comp doesn't always cover this.
Your building serves multiple purposes. Sanctuary on Sunday, community center on Tuesday, daycare on Wednesday, homeless shelter on Thursday. Each use carries different liability exposures.
Your activities extend beyond your walls. Mission trips, youth camps, community outreach, benevolence programs — your ministry happens everywhere, and your insurance needs to follow.
Your congregation trusts you to be good stewards. Every dollar spent on insurance is a dollar not spent on ministry. You need adequate protection without overpaying for coverage you don't need.
This is why generic "business insurance" often leaves churches either over-insured (wasting money) or under-insured (exposing the ministry to catastrophic risk).
What Church Insurance Actually Covers
Our church insurance policies are designed to protect every aspect of your ministry:
Property Coverage
Your building, contents, and equipment are protected against fire, theft, vandalism, and natural disasters. This includes sanctuaries, fellowship halls, education buildings, playgrounds, and any property owned by the church.
General Liability
Protection when someone is injured on church property or during church-sponsored activities. This covers slip-and-fall accidents, injuries during events, and claims arising from church operations.
Ministry Liability (Sexual Misconduct & Abuse Coverage)
Critical protection against allegations of abuse or misconduct. This coverage includes defense costs and damages, plus access to risk management resources to help prevent incidents. Coverage applies to injury arising from acts of sexual abuse or molestation.
Clergy Professional Liability
Protects pastors and clergy who provide counseling, guidance, and spiritual care. This covers claims arising from professional services like marriage counseling, grief counseling, spiritual advice, or other pastoral care activities.
Directors & Officers Liability
Protects church leadership (pastors, elders, board members) against claims arising from wrongful acts, mismanagement, wrongful employment practices, or breaches of fiduciary duty. This is claims-made coverage that protects the decision-makers who serve your church.
Church-Owned Vehicles
Coverage for vehicles titled to the church — vans used for youth group, buses for seniors, trucks for maintenance, and any other vehicles owned by the ministry.
Hired & Non-Owned Auto Liability
Protects the church when volunteers or staff use personal vehicles for church business (picking up supplies, transporting members, running errands) or when the church rents vehicles for events or trips.
Workers Compensation
Required by law in most states when you have employees. Covers medical expenses and lost wages if an employee is injured on the job.
Medical Coverage for Volunteers
Because your volunteers serve your mission just like staff, we provide medical coverage when volunteers are injured during church activities — something most standard policies don't include.
Employee Dishonesty & Crime Coverage
Protection against theft by employees or volunteers, including money and securities both on and off church premises. Because volunteers are treated as employees under church policies, this coverage protects against internal theft that could devastate a ministry's finances.
Umbrella/Excess Liability
Additional liability protection beyond your primary policies, crucial for churches that host large events or operate schools/daycares.
Valuable Articles Coverage
Protection for musical instruments, sound equipment, audiovisual systems, and other specialized church property.
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Why Churches Choose INS. for Their Insurance
We Understand Ministry Because We Live It
Faith isn't just our marketing angle — it's our foundation. We approach insurance the same way you approach ministry: with integrity, service, and genuine care for the people we serve. When you call INS., you're not getting a sales pitch. You're getting honest guidance from someone who understands that stewardship matters.
We Partner with Carriers Who Specialize in Churches
We work with insurance carriers who have deep expertise in church and ministry coverage. This means your policy is designed specifically for the unique exposures churches face — not a generic commercial policy with church added as an afterthought. You get specialized coverage built for ministry, backed by a carrier that understands your needs.
We Specialize in Churches Across Georgia, Alabama & Tennessee
Whether you're a growing church plant in Atlanta, an established congregation in Birmingham, or a rural ministry in Tennessee, we understand the unique challenges you face in our region. We know local regulations, regional risks, and what adequate coverage actually costs in your area.
We Speak Your Language
You shouldn't need a law degree to understand your insurance policy. We explain coverage in plain English, answer your questions without industry jargon, and make sure you know exactly what you're paying for and why.
We Work for YOU
We're not here to oversell coverage you don't need or cut corners to save a few bucks. We're here to make sure you have the right protection at a fair price, so you can focus on ministry instead of insurance.
Common Questions Churches Ask About Insurance
"How much does church insurance cost?" It depends on your building size, property value, number of staff, and activities. Most small to mid-size churches pay between $3,000-$8,000 annually. We'll give you a personalized quote based on your specific situation.
"What if we can't afford comprehensive coverage?" We'll work with you to prioritize coverage based on your actual risks and budget. Some coverage is non-negotiable (liability, property if you have a mortgage), but we can often find savings in areas where you're over-insured.
"Does our insurance cover mission trips?" It depends on your policy and where you're traveling. We'll review your coverage and help you obtain short-term mission trip insurance if needed.
"What about our church-run daycare or school?" These typically require separate policies due to increased liability exposure. We can bundle this coverage with your church insurance for better rates.
"Are volunteers really covered under our policy?" Yes. Volunteers are included as insureds under the policy, and they receive medical coverage if injured during church activities. The church is also protected if a volunteer brings a claim against the church.
"What about when volunteers use their personal cars for church activities?" This is covered under Hired & Non-Owned Auto Liability. If a volunteer is running errands for the church or transporting members in their personal vehicle, the church has liability protection.
Serving Churches Throughout Georgia, Alabama & Tennessee
We're proud to serve churches and ministries across the Southeast, including:
Georgia: Atlanta, Alpharetta, Marietta, Roswell, Lawrenceville, Duluth, Gainesville, Athens, Augusta, Savannah, Macon, Columbus, and surrounding communities
Alabama: Birmingham, Huntsville, Mobile, Montgomery, Tuscaloosa, and the greater Alabama region
Tennessee: Nashville, Chattanooga, Knoxville, Memphis, Franklin, and throughout Tennessee
No matter where your church is located in these states, we can provide the specialized coverage you need.
Get Your Free Church Insurance Review
You're already carrying enough. Let us carry the burden of your insurance.
Whether you're launching a new church plant, reviewing your existing coverage, or dealing with a claim that's shown gaps in your policy, we're here to help.
Here's what happens next:
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Schedule a call — We'll discuss your church's unique situation, activities, and risks
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Get a customized quote — We'll build coverage designed specifically for your ministry
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Review together — We'll walk through the policy so you understand exactly what you're getting
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Make an informed decision — No pressure, no games. Just honest guidance.
Call us at 678-578-7009 or request a quote online to get started.
In Noble Service — Always
At INS., we believe insurance is about more than policies and premiums. It's about protecting the mission God has called your church to pursue. When you're properly covered, you can focus on ministry instead of worrying about "what if."
Let's have a conversation about how we can protect your church so you can focus on reaching your community.
Michael Gordy
Founder, INS. (In Noble Service)
Church Insurance Specialist
Serving GA, AL & TN
678-578-7009