Church Insurance

As a church operator, you work hard to build your community and ensure your congregation's needs are met. Let us take care of your insurance needs. We're here to help you protect your property and your legal interests with comprehensive coverage, competitive rates and advice to help you save money.

Church Insurance Policy Coverage

Our Church Insurance Program covers property, loss of income, crime and unique liability exposures that a church may face. We can also provide coverage for churches that rent a location and do not require coverage for an owned building. 

Property Coverages

If your congregation owns the building, we offer coverage for the physical structure(s) on the premises which include storage buildings, concrete cemetery vaults, and manses as well as contents (including stock and/or equipment typically used in a church)

Competitive Coverage & Rates

One of the primary advantages of our Church Insurance Program is having coverage that has been crafted by experts in the insurance industry that focus on your needs as a congregation at an affordable price.

Discounts For Commercial Buildings

We can help save you money on your Church Insurance Policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.

Types of Coverage

• Property Coverages

  Building (if the congregation owns the building, we insure the physical structure(s) on the premises which include storage buildings, concrete cemetery vaults, and manses) Contents (including stock and/or equipment usual to a church)

• Ayr Farmers Mutuals “Automatic Extensions of Coverage”

  Your policy will include 38 extra coverages for your operations at no additional cost. This extension package is unique to Ayr Farmers Mutual. 

• Loss of Income Coverage

  If an insured loss causes your church to temporarily shut down, we provide coverage (up to a certain limit) for lost income until any repairs required are complete.

• Crime Coverage

  What if a member of the congregation has a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

• Commercial General Liability Coverages

  These coverages are included with your Church Insurance:

  Bodily Injury & Property Damage

  Coverage for injuries that occur, or damages caused to others' property, on your property/church premises or as a result of by your church’s operations.

  Personal Injury and Advertising Liability

  The financial damages owed and cost to defend you in court, when the advertisements or bulletins produced by your church cause others a loss or injury (i.e., libel or slander).

  Medical Payments

  The medical expenses related to an injury caused to another on your church’s premises (rehabilitation costs, for example).

  Tenants Legal Liability

  Damages caused to the property of others while you are renting another location to hold church services.

  Non-Owned Automobile

  Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for church purposes such as driving to the post office or picking up supplies.

• Other Coverages

  These optional coverages may also be of interest to you:

  Church Counselling Liability

  Professional errors & omissions coverage for pastoral counselling services.

  Sewer Backup

  Covers loss or damage to the church building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.

  Earthquake

  Covers damages caused by an earthquake to the church building and/or contents (including snow slide, ice slide, and landslide as a resulting from an earthquake).

  Commercial Auto

  If you own a vehicle that is primarily used in the operation of your church (e.g., a youth group van), you will need to insure that vehicle with a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.