Church Insurance for Your Ministry
Faith-based service. Specialized coverage. Protect the people, property, and mission behind your church with a Christian-based independent insurance agency.
Faith is part of who we are. Nelson Insurance Agency combines Christian values, personal service, and access to specialty church insurance companies to help churches protect their property, congregation, and calling.
Church Insurance Coverage Options
Churches have unique responsibilities. Explore coverages that can help safeguard your sanctuary, congregation, leadership, staff, and finances.
Church Property
Coverage for qualifying damage to sanctuaries, fellowship halls, equipment, furnishings, and other insured church property.
General Liability
Protection against certain covered bodily injury and property damage claims involving your premises or operations.
Commercial Auto & Vans
Insurance options for qualifying church-owned vehicles, including vans used for ministry transportation.
Workers’ Compensation
Help with eligible medical costs and lost wages when an employee experiences a covered work-related injury.
Umbrella & Excess Liability
Additional liability limits above qualifying underlying policies for larger covered claims.
Directors & Officers
Coverage options addressing certain claims arising from decisions made by church leadership and board members.
Abuse & Molestation
Specialized liability coverage that may respond to certain qualifying allegations, alongside strong safeguarding practices.
Cyber Liability
Explore protection for covered data incidents and digital threats affecting church information and finances.
Employment Practices Liability
Coverage for certain employment-related claims, subject to policy terms and exclusions.
Crime & Employee Dishonesty
Options addressing certain losses involving employee theft, forgery, and other covered dishonest acts.
Pastoral Counseling Liability
Specialized protection for certain covered claims relating to qualifying pastoral counseling services.
Coverage availability, eligibility, limits, and terms vary by insurer and state.
Insurance That Understands Your Mission
Your church is more than a building. It's where people gather, worship, and serve their community. At Nelson Insurance Agency, our Christian-based team understands the importance of stewardship and protecting your ministry.
- Christian-based, relationship-focused agency
- Access to specialty insurance markets for churches
- Competitive quotes with coverage in mind
- Personal service for pastors and church leaders
Specialized Protection. Personal Attention.
You deserve more than a generic business insurance quote. We help churches evaluate their protection with their mission and budget in mind.
Christian-Based Service
We respect the role your church plays in the lives of its members and the community it serves.
Specialty Church Markets
We work with specialty insurance companies familiar with the unique property and liability exposures churches face.
Competitive Pricing Options
As an independent agency, we can explore available insurance options to balance premium and protection.
One Team to Call
From the first quote to policy questions and renewals, our team provides personalized service.
Need a second look at your church insurance?
Request a quote and explore options for your congregation.
From Country Churches to Larger Congregations
Whether your church has one sanctuary or several buildings, a handful of members or a larger congregation, we can help you explore insurance options tailored to your church.
- Small and rural churches
- Established neighborhood congregations
- Large and multi-building churches
- New church plants
- Churches across Christian denominations
Church operations and eligibility are subject to underwriting review.
How Much Does Church Insurance Cost?
The cost depends on your church's buildings, location, vehicles, employees, operations, claims history, and selected coverage. A small rural church may have very different needs than a larger congregation.
We help you compare available options while keeping your coverage needs in view.
No universal premium applies to every church. Actual pricing depends on underwriting.
Getting a Church Insurance Quote Is Easy
Tell Us About Your Church
Complete our existing business insurance quote form or call with basic details about your church and coverage needs.
We Review Your Options
Our team works with applicable insurance markets to explore coverage options and pricing.
Choose With Confidence
Review the available terms and make an informed decision that fits your church and budget.
Church Insurance Across 11 States
Based in Sioux Falls, South Dakota, we help churches explore specialty insurance options throughout the Midwest and surrounding states. The blue states show our church insurance service area.
11 States. One Agency.
Whether your congregation is large or small, our Christian-based agency is here to help protect your ministry with access to specialized church insurance markets.
Coverage availability is subject to insurer eligibility and underwriting.
Church Insurance FAQs
What insurance coverage does a church need?
Many churches consider property and general liability coverage, along with additional options for vehicles, employees, board members, pastoral counseling, cyber risks, and other exposures. The right combination depends on your church's circumstances.
Is church insurance different from standard business insurance?
Churches share many risks with other organizations but also face special considerations involving sanctuaries, religious property, clergy, volunteers, leadership, and congregational activities. Specialty insurance programs can be designed to address some of those exposures.
Does church insurance cover hail or storm damage?
Church property policies may cover certain storm losses. Coverage depends on the causes of loss insured, exclusions, deductibles, and other policy terms.
Can a small rural church get insurance?
Yes. Insurance options may be available for small congregations and rural churches, subject to each insurer's underwriting requirements.
Can we insure church passenger vans?
Commercial auto options may be available for qualifying church-owned vans and other vehicles. Vehicle seating capacity, driver information, and usage affect eligibility.
Does church insurance protect pastors and board members?
Specialized coverages such as directors and officers liability, employment practices liability, and pastoral counseling liability may address certain qualifying claims against covered people and organizations.
Does church insurance include abuse and molestation liability?
Some specialty insurance markets offer coverage addressing certain qualifying allegations. Terms vary significantly, and strong prevention and safeguarding practices remain essential.
Can we save money by comparing church insurance quotes?
Comparing available insurance options may identify premium differences as well as important differences in limits, deductibles, exclusions, and coverage. Savings are not guaranteed.
Does Nelson Insurance Agency insure churches outside South Dakota?
We serve qualifying churches in South Dakota, Iowa, Minnesota, Nebraska, North Dakota, Wisconsin, Illinois, Indiana, Missouri, Ohio, and Pennsylvania.
Your Church Has a Mission Worth Protecting.
Faith-based service, specialty church insurance markets, and a team ready to help. Start with a quote or a conversation.
