Ministry risk insights
Practical guidance for churches, schools and ministries — from property values and liability to safety programs and claims.
PropertyIs Your Church Underinsured? Replacement Cost vs. Market Value
Many congregations insure their building for what it would sell for, not what it would cost to rebuild. Here is how to set an accurate property value and avoid a coinsurance penalty.
Ministry Insured Team · 8/4/2026
CoverageHow Much Does Church Insurance Cost?
What churches actually pay for insurance, the factors that move premiums up or down, and how ministries can control cost without cutting protection.
Ministry Insured · 8/3/2026
LiabilityChurches, Don't Take Chances When Lending Out Your Space
Sharing your classrooms, parish hall or grounds with outside groups is a ministry — and a risk. Here's how to set policy, use written agreements and pick the right insurance approach.
Ministry Insured Team · 7/31/2026
PropertyPlaces of Worship: How To Protect Against Costly Losses
Vandalism, arson and destruction of sacred art are hitting congregations hard — and standard property policies often leave churches holding the bill. What to review, and how to prevent losses.
Ministry Insured Team · 7/31/2026
SafetyChild Sexual Abuse Is the Second Most Frequent Loss at Religious Institutions
Advisen loss data shows religious organizations account for 30% of all child sexual abuse losses. Here are the risk factors, the insurance options and the prevention steps every ministry should have in place.
Ministry Insured Team · 7/31/2026
LiabilityAre Your Board Members Protected For Decisions They Make?
Directors & Officers liability protects your church entity and its leaders for the decisions they make. Here's what D&O covers, who is insured and the policy terms to look for.
Ministry Insured Team · 7/31/2026
AutoChurch Van Safety: Cutting Your Largest Auto Liability Exposure
Fifteen-passenger vans, volunteer drivers and youth trips create some of the severest claims a ministry can face. A practical driver, vehicle and trip policy for churches.
Ministry Insured Team · 7/28/2026
Workers' CompWorkers' Compensation for Churches: What Every Board Should Know
Who counts as an employee, why clergy are treated differently, how payroll audits work, and the classification mistakes that cost churches money.
Ministry Insured Team · 7/21/2026
CyberChurch Cyber Liability and the Gift Card Scam Every Ministry Sees
Fake pastor emails, diverted wire transfers and stolen donor data are hitting congregations of every size. What actually stops them, and what cyber and crime coverage pays for.
Ministry Insured Team · 7/14/2026
PropertyPreventing Frozen Pipes and Winter Water Damage in Church Buildings
Water is the most frequent property claim at houses of worship — and buildings that sit empty and cool midweek are especially exposed. A seasonal checklist for ministry facilities.
Ministry Insured Team · 7/7/2026