Church & Ministry Coverage

Safeguard your Ministry

For over 55 years, we’ve been dedicated to all types, sizes and denominations of churches throughout Michigan and Indiana.  We understand the unique needs of ministry, and share in the passion for ministry.  Through our partnership with GuideOne Insurance Company, we have the tools to tailor a superior product backed by a financially strengthened insurance company, oustanding claim services, and a commitment to protect what’s important to you.

Every year we work to help protect schools, churches, camps and many other types of ministries,  so they don’t have to worry about disasters, accidents or lawsuits.

Here’s a brief overview of the risks that a multi-peril insurance policy covers:

  • Your People: If someone gets hurt while participating or volunteering in your ministry or ministry activities, your policy can cover your liability and help to pay for their medical expenses.  It can also help to defend your ministry in the events of lawsuits.
  • Your Propery: If a covered threat damages your contents or buildings, your policy will help to pay for replacement or repair.  You can control how much or how little you want to insure.  You can cover against basic liability threats such as lightning, fire and wind.  Or you can choose a broader range of threats including water damage, weight of ice, sleet or snow.
  • Your Employees: A Workers’ Compensation policy can help provide medical, rehabilitation, disability and death benefits for employees who suffer a work-related injury or disease.  Most often this type of protection is mandated by the state in which your ministry operates.
  • Your Vehicles: A Commercial Auto Policy can cover your ministry’s liability for injuries involving its vehicles.  A non-owned vehicle policy provides liability protection when your ministry is driving a rented or borrowed vehicle.
  • Your Ministry Assets:  An Umbrella Liability Insurance Policy can give your ministry excess liability protection worth $1 Million, $5 Millions or more.  At the same time, this protection extends your coverage and limits of your general liability policy, vehicle liability coverage and employers’ liability policy at very little costs.
  • Optional Coverages: A multi-peril policy offers many other optional coverages including protection against lawsuits alleging injuries from employment discrimination, sexual misconduct and pastoral counseling.
  • Travel Insurance: We also offer policies that covers emergency medical care, accidental death, foreign liability, travel assistance for your long or short-term missionaries.
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Property & Liability

An essential for any church or ministry is coverage that will protect your ministry’s people, propery and finances.

Commercial Auto

Vehicles can be a risk for your ministry.  Let us help point you in the right direction when it comes to Commerical Auto Coverage.

Workers' Compensation

Ask us how you can protect both employers and employees in your ministry.

Missions Traveling

Whether it’s a mission trip or short or long-term missionaries, we have the products to help protect those who are ministering throughout the world.

Contact us for a free assessment and quote.