Specialized Insurance for Churches & Faith-Based Organizations
Specialized Insurance for Churches & Faith-Based Organizations
Specialized Insurance for Churches & Faith-Based Organizations
Specialized Insurance for Churches & Faith-Based Organizations
Tailored Coverage for Every Ministry and Mission
The Wagley Agency Difference: Comprehensive Protection for Your Ministry
Wagley Agency Insurance Group provides customized insurance solutions for all faith-based organizations. We can insure single to multi-location institutions, including online and church planning organizations. The needs of each organization vary depending on the specific activities, ministries, and operations. Many churches and other faith organizations accept quotes from transaction-based insurance brokers who reactively generate solutions based on short-term thinking. At Wagley Agency Insurance Group, we are familiar with the nuances of faith-based organizations and can customize your coverage to meet your organization’s specific needs.
The insurance solution prepared by Wagley Agency Insurance Group as a barrier of protection for your organization is comprised of the following:
– A comprehensive understanding of the insurance needs of your faith-based organization
– Proactive assessments of how your organization is evolving
– Commitment to balancing cost reduction and strategic protection
– Providing unmatched consultations, guidance, and service

There are two categories of property insurance for faith-based organizations:
- Building Coverage: This covers the church or synagogue buildings, stained glass, seating/pews, built-in musical instruments like an organ, and other covered property that is attached to the building.
- Contents Coverage: This covers computers, musical instruments and audio/visual equipment, chairs, office equipment and covered property that is not attached to the building.
*Additional covered property typically includes signage, retaining walls, lights, poles and more.

Wagley Agency Insurance Group provides comprehensive liability coverage for churches, synagogues and other faith-based organizations. This policy covers injury, professional liability, defense of a covered claim as well as accidents that may occur on church premises, or as a result of off-site ministry operations. Our Liability coverage includes but is not limited to the following:
- Director and officer liability
- Employee benefits
- Employment practices liability
- Lessors risk
- Lost wages
- Medical coverage
- Mission trip coverage
- Parsonage Liability
- Pastoral counselling
- Product liability
- Special event coverage

The purpose of an umbrella insurance policy is to cover claims that may go beyond the coverage limits of your organization’s policies. Umbrella coverage, also known as “excess liability coverage,” is available from one to ten million dollars ($1,000,000 to $10,000,000).

From online donations to posting devotions on social media, Internet safety is becoming an important consideration for churches and other faith-based organizations that seek to help people grow in their faith, overcome limitations and adversity, as well as promoting the benefits of mission-driven efforts.
For some non-profit organizations, additional cyber coverage is the best way to complete their online defense. At Wagley Agency Insurance Group, we offer coverage options that protect your organization against a variety of potential issues that span from data breaches to embezzlement.
- Cyber liability
- Staff dishonesty/fidelity bond
- Forgery and alterations
- Computer fraud
- Money and securities

Workers’ Compensation insurance provides coverage for employees and volunteers in case of a work-related injury or incident while serving or volunteering on the premises or while actively performing ministry services. Workers’ compensation insurance is legally required by most states for any and all entities that hire employees. At Wagley Agency Insurance Group, we have expert knowledge of the various options that provide the most fitting solutions for your organization’s unique needs.

Vehicle insurance includes auto coverage for organization-owned vehicles, hired auto services, and liability coverage for both staff and volunteer drivers.Types of vehicles that can be covered by your auto insurance policy include:
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- 12 and 15 passenger vans
- Church, school and tour buses
- Private passenger vehicles
- Commercial trucks
- Light service trucks
- Covered and utility trailers

For drivers who don’t have a passenger endorsed California Driver’s License, Wagley Agency Insurance Group offers van-safety training videos and assessments so that all volunteers may participate in transportation ministries.
Claim Examples
Claim Examples
These are examples of actual claims that were filed against faith-based organizations’ insurance policies:
Following a religious service, a congregant tripped on a crack in the concrete sidewalk and tumbled down an outdoor flight of stairs, resulting in injuries including a concussion.
A fire destroyed a church sanctuary and resulted in smoke and water damage to the building structure as well as contents of the administrative office. In addition to replacing fixtures, furnishings, equipment and inventory, the church needed to rent space for worship services until the sanctuary was rebuilt.
The director of children’s ministries was terminated and replaced by a younger Caucasian male, who she believed was being paid more than she was. She filed suit with the EEOC against the ministries, alleging racial discrimination, age discrimination, sex discrimination and pay discrimination.
A church elder breached his duty by leading a combative church split which ousted the remaining minority sized congregation from church property. The elder held secret meetings among his supporting faction and prepared legal documents to transfer the property, all without informing the church’s pastor of his plans. The court ruled that the elder owed a duty to the entire congregation and could not favor the interests of the majority over the ousted minority. As a result, the property was returned to the original congregation and monetary damages were assessed against the elder personally.
A cracked section of a cast iron boiler resulted in replacement of the boiler and $9,000 in property damage.
A Sunday school teacher was accused of sexually molesting a teenager after a bible study session. The teacher quickly denied the charges but was forced to step aside pending a church investigation. After a thorough inquiry, the alleged victim’s credibility crumbled when it was reported that she had a long history of inventing stories about herself and others. Moreover, parents and students who knew the teacher offered evidence that raised serious doubts that the molestations could have occurred. After an exhausting investigation, the teacher was eventually reinstated to his duties. The cost alone of defending allegation with no merit was significant.
The wife of a married couple sought counseling services from their pastor due to being physically abused in the household. The victim was contemplating divorce and sought advice, but the pastor encouraged her to stay with her husband due to the sanctity of marriage and to seek couples counseling. As a result, the wife returned to the abusive relationship and was later hospitalized with severe injuries from her husband. She then sued the church and pastor stating that as a result of the counseling advice, she stayed in the unhealthy marriage that led to her injuries.
With its membership growing rapidly, a church’s board of directors appointed a new building committee to find land for a larger church. The board selected one of its members to head the committee. That Director steadily pressed the committee to approve purchase of a land parcel viewed by the other committee members as pricey, but otherwise perfect. After much discussion, the committee approved the purchase, and the transaction was completed. It was then discovered that the committee Chair had a financial interest in the property. Several congregants took action and named the committee Chair and the overall board in a lawsuit alleging improper self-dealing, negligence and fraudulent conduct.
Don’t leave your faith-based organization vulnerable to unexpected risks. Wagley Agency Insurance Group is dedicated to providing customized insurance solutions that understand the unique needs and evolving ministries of churches and religious institutions. Partner with us for comprehensive protection, proactive assessments, and strategic coverage that balances cost-effectiveness with unwavering support, allowing your organization to focus on its vital mission.