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Insurance: When Church and Clergy have Liability Exposure

In today’s world, the church and clergy are not immune to accusations and lawsuits. Prime Insurance focuses on the necessary associated insurance protection.

Insurance for a Church and Religious Center

While insurance for churches and other religious societies generally can be purchased through the standard insurers, there are special policies focused on the unique needs of this class. Values based on a total loss can be high. 

Additional forms of related elective coverage incorporate the following:

  • Crime Insurance

  • Theft Insurance

  • Directors & Officers Liability Insurance

  • Clergy Professional Liability Insurance

  • Sexual Misconduct Insurance (subject to sub-limits)

Clergyman’s Professional Liability Insurance

Those in the ministry can find themselves the brunt of a lawsuit due to allegedly causing emotional and/or physical pain. Though a great deal of these types of claims surface through the counseling process, there are those that occur as a result of society’s complaints regarding clergy misconduct. This can lead to post dismissal and/or a complete exclusion from the religious center’s operations.

While this coverage is intended for clergy, it can also be tailored to include other church staff members.

 An experienced independent agency will be able to assess the individual religious organization’s needs and advise on related church and clergy insurance.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Church and clergy members need insurance protection from claims against them. Prime highlights the coverage here. 


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