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Churches and ministries carry risks most business policies never anticipate — from a historic stained-glass window to counseling liability and the protection of your congregation. We understand the specific needs of your organization because we're involved right there in your community, and we build coverage around what matters to you.
A congregation is part building, part people, part mission — and each part carries its own exposure. Beyond standard property and liability, we help protect the things that make your organization unique, from the irreplaceable details of the building to the professional and pastoral responsibilities your leaders carry.
We also cover the property add-ons many congregations overlook: stained glass, organs and bell systems, musical instruments, and appurtenant structures like fences, pavilions, and gravestones — with employee-theft (ERISA-compliant), ordinance, and inflation-guard coverage available.
High-stakes coverages that congregations actively look for — and that a standard policy may miss.
Standalone coverage for one of the most serious exposures a religious organization faces.
Protection for the professional responsibilities of clergy and ministry leaders.
Professional liability for pastoral and church counseling services.
Coverage for boards, trustees, volunteers, and members in their leadership roles.
Protection for stained glass, organs, bells, and other irreplaceable property.
Support and resources in the event of a violent or catastrophic incident.
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your organization.
Typically property, general liability, and specialized coverages like sexual misconduct liability, pastoral professional liability, counseling liability, and directors & officers (D&O) — built around how your ministry operates. Coverage is subject to underwriting.
It’s one of the most serious exposures congregations face, and standard policies may limit or exclude it. Dedicated coverage helps protect the ministry and its leaders.
Often, yes. D&O protects board and leadership members from claims related to their decisions — employment, finances, and governance. Many congregations carry it.
They can be. Liability for volunteers, activities, and events is an important part of a church program, and we tailor coverage to your activities — including camps and retreats.
Yes — churches, ministries, religious schools and preschools, camps, and retreat centers of every size. Coverage is tailored to your congregation.
Let's review your congregation's coverage with an agent who knows your community. No pressure, just guidance.
