Churches & Religious Organizations Insurance
Serve your community with peace of mind that your organization is protected
Places of Worship
Faith-Based Schools
Religious Charity
As your community looks to you for inspiration and guidance, you can look to us for support in helping to protect your organization. We’ll help you address insurance risks unique to churches, everything from coverage for volunteers and personal property to glass breakage to baptistery water damage.
Mulling Insurance is one of Florida’s leading and most experienced insurance providers for churches. Our agency has proudly served over 2,500 places of worship, including the Assemblies of God, Church of God, Baptist, Presbyterian and many other denominations. We’ll work with your organization to ensure you have the insurance options for your needs.
Protect your faith-based organization & employees
with insurance that fits your needs.
INSURANCE COVERAGES
While your organization serves your community, your insurance program protects your church. Mulling Insurance can help with plan options that provide coverage from top-rated insurers.
General Liability
Coverage that protects the church from claims of bodily injury or property damage caused by church operations. This includes incidents like a visitor slipping and falling on church property.
Property Insurance
This covers damage or loss to the church’s physical buildings, equipment, and other personal property due to events such as fire, theft, or natural disasters.
Directors and Officers (D&O) Insurance
Protects church leaders (directors, officers, or trustees) from claims of mismanagement, negligence, or wrongful acts in decision-making.
Pastoral Counseling Liability
Covers the church and pastors in the event of a lawsuit stemming from advice, counseling, or services provided by clergy or staff.
Sexual Misconduct Liability
Protects the church from claims related to sexual misconduct or abuse allegations against staff, clergy, or volunteers
Workers' Compensation Insurance
Provides coverage for employees of the church who are injured or become ill while performing their job duties.
Auto Insurance
If the church owns vehicles, this provides liability and damage coverage for accidents or incidents involving church-owned vehicles.
Umbrella Liability Insurance
Provides additional liability coverage that goes beyond the limits of the church’s existing insurance policies, offering extra protection in case of large claims.
Employment Practices Liability Insurance (EPLI)
Protects the church against claims by employees related to wrongful termination, discrimination, harassment, and other employment-related issues.
Employee Benefits Liability
Protects an employer for an error or omission in the administration of an employee benefit program, such as failure to advise employees of benefit programs
Business Interruption Insurance
Covers lost income and operational costs if the church is unable to operate due to damage or a covered event, like a fire.
Cyber Liability Insurance
Provides protection in the event of data breaches or cyberattacks, safeguarding sensitive church information and financial data.
Inland Marine Insurance
Covers property that is mobile or transported, such as musical instruments or equipment used in events outside the church building
Risk Management
Balancing cost with coverage needs is crucial for your business. No matter the size of your operations, we can help develop an insurance program that controls costs while defending against liabilities.
Concerned about future claims and how they will impact your business? Minimize your loss and develop a program for managing your risk with the help of your Mulling agents, with services like:
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- A written exposure analysis
- Periodic risk management reviews
- Periodic risk management seminars: Third-party liability, indemnification issues, builders risk issues, safety issues
- Risk management and loss prevention training for employees and volunteers
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Meet Your Church Professionals
The team at Mulling Insurance is ready to assist you and your organization with the unique needs of churches and places of worship. Click below to contact one of our agents directly to help protect your organization with the coverage it needs.
“Our church was experiencing exponential growth and a move to a larger facility was planned. A colleague gave me the name of Greg Bryan at Mulling. After reviewing our current policy, I was astounded at the things I learned from Greg. The church now has total coverage with Mulling Insurance, and Mr. Bryan and his team have been extremely helpful in answering questions, providing excellent care, allowing me to sleep at night!”
Danny Moosbrugger
Executive Pastor, Heartland Community Church