Church Insurance

Insurance help for churches and Christian charities

Church Mortgages can help churches and Christian charities find suitable providers for insurance cover linked to church property, mortgage borrowing and wider church activities.

Insurance needs can vary depending on the property, how it is used, whether the church employs staff or volunteers, and whether a lender has specific requirements as part of a mortgage.

We can help you understand what cover may be relevant and arrange insurance cover with providers who understand churches and charitable organisations.

We can help you

  • Understand the cover that may be relevant to your church
  • Find suitable insurance providers who specialise in churches and charities
  • Ensure your cover supports your property, mortgage and ministry plans

Cover your church may need to consider

Depending on your circumstances, churches and Christian charities may need to consider cover such as:

Buildings insurance

Cover for the church building and any attached structures against damage, such as fire, flood or storm.

Contents insurance

Protection for items inside the church, including furniture, equipment, musical instruments and fittings.

Public liability and property owner’s liability

Cover for claims against the church where someone is injured or their property is damaged on church premises.

Employers’ liability

A legal requirement if the church employs staff or has volunteers who are considered to be “workers”.

Key-person insurance

Life or critical illness cover for key leaders, trustees or staff where the church’s finances depend on them.

Trustees indemnity insurance

Protection for trustees in the event of a claim made against them in their role.

Event insurance

Cover for events and activities run by the church, including cancellation or public liability.

Insurance and church mortgages

Where a mortgage is secured against church property, lenders will usually expect the building to be properly insured.

This may include buildings insurance for the full reinstatement cost, with the lender’s interest noted on the policy.

Some lenders may also ask about additional cover, such as life or key-person insurance, depending on the people involved and the structure of the borrowing.

Useful links:

  • Church Mortgages can help you identify what may be needed as part of the mortgage process and help you find suitable insurance providers.

    Speak to us about insurance >

  • The government offers guidance on what legal obligations and what options trustees have when identifying and managing any risks

    Read Charities and insurance – GOV.UK >