Comprehensive Protection for Your House of Worship
Your place of worship is more than just a building—it is a center of faith, fellowship, and community. Protecting it requires thoughtful coverage and a trusted insurance partner.
At FMI Insurance, we understand the unique needs of churches, synagogues, temples, and other religious organizations. Our specialized coverage provides peace of mind, so you can focus on serving your congregation.
The FMI Insurance House of Worship Program
Our Businessowners House of Worship Program delivers broad protection in a single, competitively priced package. Many coverages that other insurers treat as add-ons are included automatically, giving you enhanced protection without additional cost.
Core Coverage Highlights:
- Replacement Cost Coverage or your building and contents, including pews, altars, pulpits, railings, clocks, bells, organs, and sound systems.
- Loss of Income Protection including reimbursement for extra expenses if temporary rental space is needed after a covered loss.
- General Liability Insurance for claims involving personal injury, property damage, or bodily injury.
- Money & Securities Coverage with higher limits during religious holidays.
- Automatic Glass Coverage including stained glass windows.
- Leadership Protection—officers, trustees, directors, and members are insured while acting on behalf of the organization.
- Expanded Liability Protection covering medical expenses if someone is injured while volunteering their labor.
- Expanded Liability Protection covering medical expenses if someone is injured while volunteering their labor.
- And more…
Flexible Coverage Options
Every house of worship is unique. That’s why we offer flexible enhancements to tailor protection to your ministry’s specific needs.
Options include:
- Equipment Breakdown Coverage
- Cyber Liability Protection
- Additional Medical Payments for Athletic Programs or Day Nurseries
- Pastoral and Lay Counseling Liability
- Directors’ & Officers’ Liability
- And More!
Customized Coverage, Trusted Guidance
With FMI Insurance, you’re never limited to a rigid, one-size-fits-all policy. Our experienced independent agents will work with you to design a custom insurance plan that reflects the values and mission of your religious institution.