Church and Religious Building Insurance

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.

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.

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.

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.

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.

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.

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

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.

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.