rethinking church insurance
Helping churches navigate a changing insurance market.
Whether you're reviewing your current insurance program, searching for better protection, or simply looking for an experienced advocate who understands churches, we're ready to help.
Let's build a better program that protects your ministry today—and supports your mission for years to come.
How Are We “Rethinking Church Insurance?”
The insurance market that churches have relied on for decades has changed.
Rising catastrophe losses and carrier downgrades have pushed insurers to raise rates, increase deductibles, restrict coverage, or even walk away from entire regions — leaving churches with greater expenses and fewer options. At the same time, underwriters are asking more of churches, including documented procedures, consistent practices, and evidence that churches are actively managing risk.
Ministry America is rethinking church insurance by helping ministries become better prepared and better positioned to deal with this changing landscape.
We identify risk-management gaps and provide practical resources, education, and guidance — from youth safety and campus security to facilities use and employee policies. We also connect churches with specialized partners and insurance markets developing new strategies to manage risk and control or even reduce costs.
The result is more than an insurance policy. It’s improving a church’s insurability to obtain coverage that is meaningful, affordable and sustainable.
What People Say
“I recommend Ministry America without hesitation to any church seeking outstanding insurance guidance delivered with integrity, excellence, and genuine care.
“Paul, Wendy, and their team bring a level of dedication, professional expertise, and personal care to insurance that I have never encountered before. They don't view churches simply as policyholders, but as ministries they are honored to protect.”
Elizabeth Chryst
Former Chair, Wesleyan Covenant Association
Risk topics
Youth safety
Screening, supervision, and the documentation underwriters expect.
Campus security
Practical steps for buildings that are open to the public by design.
Facilities use
Who else is using your buildings, and what should your agreements say.