10 Questions Every Church Board Should Ask About Insurance
Whether your congregation is gathering for worship, hosting community events, or managing volunteers, having the right insurance coverage is vital for your church’s mission and peace of mind. To help both new and experienced church boards, we’ve assembled ten essential questions to guide your next insurance review—and spark the conversations that keep ministry safe.
1. What types of insurance do we currently have, and what do we need?
Review your existing policies and make sure they cover general liability, property, workers’ comp, auto, abuse & molestation, professional liability, D&O, and cyber risks as needed. Are there any gaps or overlaps?
2. Does our insurance cover all our buildings, property, and contents?
Check that every structure (sanctuaries, classrooms, gyms) and key contents (electronics, instruments, archival records) are protected under your property policy.
3. Are our liability limits sufficient for today’s risks?
Confirm that your limits reflect current realities, such as larger events, youth programs, or outside group use. Don’t let outdated policies leave you underinsured.
4. Do we have specialized coverage for church-specific risks?
Ask about misconduct/abuse, pastoral counseling, and employment practices liability—each is important for faith organizations and may not be standard in basic policies.
5. What is excluded from our policies—and are there any hidden gaps?
Understand exclusions in detail. Know what’s not covered so you’re not caught off guard by uncovered claims.
6. How does our workers’ compensation protect staff and volunteers?
Clarify who is covered, what support looks like after an injury, and how staff are classified. Volunteers may require different considerations.
7. What’s our process for managing mission trips, church vehicles, and events?
Ensure mission work (domestic and international), transportation, and special events have appropriate, timely coverage.
8. Are we prepared for disasters or business interruption?
Ask about business interruption insurance, disaster planning resources, and what steps you’d need to take for emergency claims or temporary closures.
9. How will our insurer support us in a claim or crisis?
Know how to contact your agent, what response times to expect, and if your insurer provides hands-on support beyond the claims process.
10. When should we schedule our next insurance review?
Commit to an annual board-level review—and encourage ongoing conversations with your insurance advisor to keep coverage aligned with ministry changes.
A Final Word
Church insurance isn’t just paperwork—it’s a foundation for a safe, thriving ministry. Regular review by an engaged board ensures the protection you need and reassures your congregation that their safety and mission are a shared priority.
Questions about your own coverage? Our team at 1225 United is always here to help you get straight, honest answers—so your church can focus on what matters most.
