Facility Management

Navigating the Church Insurance Maze

Having insurance protects your church financially, which in turn, protects the vision and ministry --- everything you set out to accomplish in the first place.

Deborah Ike  ·  April 26, 2018

Page 1 of 2 pages 1 2 >

Purchasing property and liability insurance for your church was probably not on your list of pursuits when you decided to join full-time ministry. 

However, what would happen if your church building were severely damaged by a tornado, fire or flood?  Do you have the financial reserves to repair the damage while also covering the cost of leasing another location for your congregation to meet? 

What if someone tripped and broke a leg while on church property?  Could you cover his medical expenses or defend yourself against a lawsuit? 

The financial cost of these situations is much greater than most churches will likely have in reserve.  Insurance protects your church financially, which in turn, protects the vision and ministry you set out to do in the first place.  So while it’s not a topic that sounds much like ministry, it’s still important to making ministry happen.

There are several types of insurance you can consider, so this isn’t an exhaustive list.  However, this covers the more frequently used categories you’ll want to look into first. 

Property Insurance

This typically covers expenses due to natural disasters, fires, vandalism, theft or other damage to your church facilities.  If a tornado hit your church building and caused enough damage to render it unusable, insurance can cover costs to repair the building and the expenses you’d incur renting another location for church services until repairs are completed.

Page 1 of 2 pages 1 2 >


Facility Management · Operations · Leadership · Management · Blogs & Opinion · Case Study · All Topics


Deborah Ike
Deborah Ike (formerly Wipf) is the President & Founder of Velocity Ministry Management; a company dedicated to vision implementation for church leaders. Over the last ten years, Deborah worked in the corporate arena to discover how to leverage business principles for ministry vision. She worked for Deloitte Consulting in their Strategy & Operations group and most recently, for Williams, as a project manager and risk manager. Deborah has a bachelor’s degree in Computer Information Systems along with the Project Management Professional (PMP) credential from the Project Management Institute. She’s the author of The Volunteer Management Toolkit (Church Edition) and you can find her articles on sites such as Pastors.com, XPastor.org, WorshipFacilities.com, and via The Church Network.
Contact Deborah Ike: deborah@velocityministrymanagement.com ·  View More by Deborah Ike

Support and Enhance the Worship Message

The latest strategies for sound, lighting and facilities can help you better attract and engage with your congregation. With Worship Facilities’ insights on leadership, communication and administrative tools, each issue shows you how to design and maintain your facility and how to adapt it to meet the changing needs of today’s members.
Explore the success stories of others, and find ways to enhance your weekly services. Get a free subscription to Worship Facilities magazine. Subscribe today!


By Sarah Taylor on May 21, 2018

I heard Church Liability coverage give insurance for private property damage and injury. How many kind insurance does the Catholic Church provide and help us? Dissertation Proposal Service