Protect your congregation and your ministry.
Coverage for churches, synagogues, mosques, temples and ministries, including the schools, daycares and programs they run.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
A place of worship is many things at once
A congregation owns or leases a building, hosts services and events, runs youth programs, offers counseling and often operates a school or daycare. Each brings its own exposure: property damage, injuries at events, abuse allegations in youth programs, counseling claims and decisions by the board.
Older buildings, earthquake exposure and volunteers add to the picture. I place religious organization coverage with carriers that specialize in houses of worship, built around your buildings, programs and people.
- PropertySanctuary, fellowship hall, contents and stained glass.
- General liabilityVisitors, events and volunteers.
- Abuse and molestationEssential for youth and children's programs.
- Counseling and D&OPastoral counseling and board decisions.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Buildings: address, year built, construction and values.
- Attendance: weekly attendance and membership.
- Programs: youth, school, daycare, counseling, food pantry.
- People: clergy, staff, payroll and volunteers.
- Vehicles: vans and buses.
- History: current policies and claims.
Church insurance, answered
Do churches need abuse and molestation coverage?
Any congregation with children's or youth programs should have it. It's excluded from many policies unless added.
Does church insurance cover pastoral counseling?
Counseling professional liability can be included for clergy and staff who counsel members.
Are volunteers covered?
Volunteers can be included as insureds for liability, and volunteer accident coverage is available.
What do underwriters rate on?
Building values and construction, attendance, programs, vehicles and claims history.
Do you offer church insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your congregation. I'll shop it.
Your buildings, attendance and programs are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.