Church and Religious Building Insurance

Insurance for religious buildings (such as churches, mosques, synagogues) and their contents. Up to £10m in public and employers' liability, trustees' and publishers’ indemnity and other optional faith covers.

02920 444 555

Monday - Friday 9am - 5pm

About Church and Religious Building Insurance

Property

Religious buildings insurance

Insurance for religious buildings and their contents, as well as personal effects.

Liability

Church liability cover

Up to £10m in public and employers' church liability insurance.

Document

Church indemnity insurance

Trustees' and publishers’ indemnity cover, including legal expenses.

Care

Optional faith covers

Cover for items used off premises, personal accident, pastoral work and more.

Features of Church and Religious Building Insurance

Standard cover

Religious building and contents cover

Whether it be a church, temple, mosque, synagogue or gurdwara, we provide customised insurance for buildings to suit the unique needs of the religious institution. This includes contents cover for expensive items used for everyday or worshipful purposes, as well as members’ and visitors’ personal effects. Please check your church insurance policy to see what T&Cs may apply.

Public and employers' liability for churches

We can provide cover of up to £10 million in respect of accidental injury to members of the public, as well as injury to your church volunteers. This includes accidental loss or damage to material property happening during the course of service and/or the daily running of the religious institution. We also offer employers' liability for church employees and volunteers.

Trustees' indemnity insurance

Our mobile catering policy covers you for damages and potentially expensive legal costs resulting from injury, disease, or accidental damage. We offer public, product and employers' liability insurance for up to £10 million each, allowing you to cater for the largest of events - such as music festivals - which comes with complementary cover for loss of stock and money.

Publishers' indemnity insurance

Publishers' indemnity protects you from the potential risk of libel, slander, infringement of trademark, etc. arising from your official religious publications. This can include your digital media, such as online brochures. Publishers’ indemnity insurance provides cover for the cost of legal action taken against the church, including defence and court fees.

Additional cover

Personal accident cover

For employees and volunteers of the religious institution.

Legal expenses cover

For employment disputes within the church.

Church childcare cover

For schools and nurseries managed by the religious institution.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 02920 444 555 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

Church and Religious Building Insurance FAQs

Question

What is faith or church insurance (and do I need it)?

Answer

Church or faith insurance protects your religious institution from physical damage (e.g. building damage as a result of natural disaster or vandalism) or theft. It can also protect you from third party and employee claims of negligence, as well as accusations of publisher slander, infringement of trademark, etc. Other covers can be added to your policy, such as personal accident, legal expenses, pastoral work, and childcare cover.

As a beacon of morality, it is even more imperative for religious institutions to protect themselves from legal and reputational harm. If a claim is brought against you, or the building itself is damaged, the church (as a not-for-profit organisation) may struggle to pay for the costs associated with it. In these cases, the church insurance policy will pay out for damaged incurred, subject to certain exclusions. Please note that other terms and conditions may also apply.

Question

What is public liability insurance?

Answer

Public liability insurance provides cover against your legal liability to pay damages arising if ever a visitor to your religious premises is injured on site, or if one of your employees injures or causes damage to a third party whilst working for you.

Question

How do I know what level of liability cover I need?

Answer

As every profession is open to different risks, and claims are unforeseeable events, it is not possible to recommend an exact level of cover. However, our best advice is to select the highest amount of cover you can reasonably afford. While there may be some flexibility in your church insurance policy, we would suggest a minimum of £5 million in respect of public liability.

Question

Is my religious building and its content covered?

Answer

Whether it be through fire, natural disaster, malicious damage or theft, your religious premises and its contents are covered. Terms and conditions apply, so be sure to review your policy and its indemnity limits.

Question

Are all types of religious buildings covered?

Answer

Yes, for the most part. Whether it be a church, temple, mosque, synagogue or gurdwara, we provide customised insurance for buildings to suit the unique needs of the religious institution. However, in very unusual circumstances, certain exclusions may apply.

Question

Are volunteers covered?

Answer

Yes, the definition of an employee includes both paid and unpaid members of staff. Hence, full cover is extended to volunteers in all relevant sections of your policy.

Question

Are trustees covered?

Answer

Yes. You are covered for a wrongful act committed in the capacity of a trustee director or officer.

Question

Can I pay for my church insurance policy in instalments?

Answer

If you would like to spread the cost of your church and religious buildings insurance policy, we offer the option to set up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To understand more about how PCL work together with Towergate, please read our regulatory information.

Question

Are there any exclusions?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.