Who insures it · 6 named markets · read 2026-10-28

Who insures Nonprofits and churches?

Nonprofits and churches is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Nonprofits and churches: Church Mutual Insurance Company, S.I., Brotherhood Mutual, GuideOne Insurance, Nonprofits Insurance Alliance, Great American Insurance Group - Specialty Human Services and others. 6 admitted carriers.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Church Mutual Insurance Company, S.I. Admitted carrier	Houses of worship (religious organizations) and nonprofit and human services organizations; a stock insurer. “become the country's leading insurer of religious organizations and a premier provider for nonprofits”	not stated	not stated	churchmutual.com · read 2026-10-28
Brotherhood Mutual Admitted carrier	Christian churches, schools, colleges, camps and mission organizations. “Insuring America's churches and related ministries®”	not stated	not stated	brotherhoodmutual.com · read 2026-10-28
GuideOne Insurance Admitted carrier	Religious organizations, nonprofits, human services agencies and niche businesses. “we're proud to offer tailored insurance solutions to religious organizations, nonprofits”	not stated	not stated	guideone.com · read 2026-10-28
Nonprofits Insurance Alliance Admitted carrier	Liability and property insurance exclusively for 501(c)(3) nonprofits, written by a group of 501(c)(3) insurers (Nonprofits Insurance Alliance of California and Alliance of Nonprofits for Insurance) rated A- by AM Best; state list on its /states/ page. “Nonprofits Insurance Alliance (NIA) provides liability insurance exclusively for 501(c)(3) nonprofit organizations.”	not stated on this page (see https://insurancefornonprofits.org/states/)	not stated	insurancefornonprofits.org · read 2026-10-28
Great American Insurance Group - Specialty Human Services Admitted carrier	Nonprofit and social service organizations since 1980; organizations served include churches and religious organizations. “Since 1980, we have protected the mission of nonprofit and social service organizations.”	not stated	not stated	greatamericaninsurancegroup.com · read 2026-10-28
USLI Admitted carrier	Nonprofit package policy, nonprofit D&O (over 20 years), property and liquor; featured classes include religious organizations (houses of worship, mosques, synagogues, temples for all faiths), arts and cultural organizations, residential programs and youth programs. “We provide an easy-to-access insurance solution for a broad variety of nonprofit organizations.”	not stated	not stated	usli.com · read 2026-10-28

Philadelphia Insurance Companies has religious and non-profit human services product pages (phly.com/products/religious, /products/non-profit-human-services-insurance) found via its product listing but not fetched to stay within six; Burns & Wilcox lists not-for-profit entities. Nonprofits Insurance Alliance's ANI entity is a risk retention group, which the type list does not accommodate.

How Nonprofits and churches gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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