• General Liability: Protects your church against claims for bodily injury, property damage, and personal injury (e.g., libel or slander). This is crucial for incidents that occur on your premises, such as a slip-and-fall, or from your operations, like a sponsored community event. It covers legal defense costs and settlement amounts up to your policy limits.

• Property Insurance: Protects your church's physical assets, including the building, sanctuary, fellowship hall, equipment, and personal property. It covers damage or loss from common perils like fire, theft, vandalism, wind, and natural disasters. This can also include coverage for stained glass windows and other unique religious artifacts.

• Pastoral Professional Liability: Protects your church and its pastoral staff against claims of negligence, error, or omission in their counseling or ministry duties. This is a specialized form of coverage that addresses the unique risks associated with providing spiritual guidance and advice.

• Sexual Misconduct and Molestation Liability: Provides coverage for legal defense costs and damages arising from allegations of sexual abuse or misconduct involving church staff, volunteers, or members. This is a critical and often required coverage to protect the ministry from a devastating financial and reputational loss.

• Directors and Officers (D&O) Liability: Protects your church's leadership—including pastors, board members, and trustees—from lawsuits alleging wrongful acts, errors, or omissions in their management and governance of the church. This can include claims related to financial mismanagement or employment practices.

• Cyber Liability: Protects your church from financial losses and damages resulting from data breaches, cyber attacks, and other technology-related risks, especially if you handle online donations, member data, or financial records. This can include costs for data recovery, notification expenses, and legal defense.

• Workers' Compensation: Provides coverage for medical expenses and lost wages for employees who are injured on the job. Many states require this coverage, even if you only have a small number of paid staff.

• Commercial Auto: Protects your church against claims for bodily injury or property damage caused by church-owned vehicles, such as a van for a youth group trip. This covers legal defense costs and settlement amounts up to your policy limits. You should also consider coverage for Hired and Non-Owned Auto to protect your church when staff or volunteers use their personal vehicles for church business.

• Mission Trips and Special Events: Provides coverage for the unique risks associated with church-sponsored activities that take place off-premises, such as mission trips, youth camps, or festivals. This can include foreign liability, medical expenses for participants, and other specialized coverages.

• Umbrella Liability: This is an invaluable layer of protection that significantly extends the liability limits of your underlying policies, such as General Liability and Commercial Auto. It provides an additional layer of coverage, typically in increments of $1 million or more, to protect your church's assets in the event of a catastrophic lawsuit where the costs exceed the limits of your primary policies.

Note: This list in not comprehensive and does not provide official insurance policy language. Coverage options may differ among insurance companies and policy types. Availability varies by State.