General Liability Insurance for Churches

Coverage for the everyday risks of welcoming the public onto your campus.

What it covers

• Bodily injury

  A visitor slips on icy steps or trips in the fellowship hall during a service or event.

• Property damage

  Damage your organization causes to others' property, such as a rented event venue.

• Events & activities

  Potlucks, festivals, concerts, weddings, and community outreach programs held on or off campus.

• Personal & advertising injury

  Claims such as libel or slander arising from newsletters, sermons, or social media.

• Medical payments

  Smaller injury claims paid quickly, regardless of fault, to keep goodwill intact.

What it does not cover

• Employee injuriesEmployee injuries fall under workers' compensation, not general liability.
• Abuse or molestation claimsThese require a dedicated abuse and molestation policy, not standard liability.
• Professional counseling errorsPastoral counseling missteps may need a professional liability endorsement.

Real claim scenarios

What drives your cost

Weekly attendance

Larger congregations and more frequent services increase exposure.

Facility rentals

Renting space to outside groups adds risk that should be reflected in your policy.

Off-site & outreach events

Festivals, mission trips, and community programs affect coverage needs.

Volunteer activity

The number and role of volunteers can influence underwriting.

Prior claims history

A clean claims record often supports better pricing.