Church Insurance for Houses of Worship Across Florida & the Southeast

Protecting Your House of Worship With The Right Coverage

Church insurance is designed for how ministries actually operate-in sanctuaries, classrooms, fellowship halls, and the community. A house of worship is more than a building; it's a gathering space, employer, and outreach hub. Standard business policies can leave gaps. Purpose-built insurance for churches covers counseling activities, volunteer involvement, and unique property like stained glass, pipe organs, and baptismal equipment. From Plant City and Tampa to Orlando, Charlotte, Atlanta, Nashville, and Birmingham, Strong Tower Insurance aligns coverage with your ministry calendar, facilities, and leadership structure.

Key Coverages For Churches & Faith Communities

General Liability

Covers injuries on premises and at events, with important options for counseling liability and abuse & molestation coverage.eanuts & more against weather disasters and yield loss.

Property Insurance

Protects buildings, contents, musical instruments, technology, and specialty features like stained glass and steeples.

Workers' Compensation

Supports pastors and staff injured in the course of ministry; state requirements vary, and we keep you compliant.

Umbrella (Excess) Liability

Adds higher limits above underlying policies for larger congregations, busy event calendars, and bus or van ministries.

Directors & Officers (D&O)

Helps defend leadership-boards, trustees, and officers-when decisions lead to claims.

Volunteer Church Security Program

Addresses liability and injury concerns for trained volunteer safety teams serving during services and events.

Why Specialized Church Insurance Matters

Counseling Liability

Many pastors and ministry staff provide spiritual and pastoral counseling. Appropriate endorsements address allegations related to that work.

Abuse & Molestation

Policies can include dedicated limits and defense for these sensitive claims, a critical consideration for children's and youth ministries.

Religious Liberty & Governance

Coverage can extend to claims tied to doctrinal decisions or bylaw disputes, helping protect leadership.

Property Valuation & Code Upgrades

Older sanctuaries and education wings may need ordinance or law coverage to rebuild to current codes after a loss.

Non-Owned & Hired Auto

When volunteers or staff use personal vehicles for church errands, endorsements help address liability beyond personal auto policies.

Tailored Solutions For Any Ministry

From small congregations along the Peace River to multi-site churches near downtown Tampa or across Charlotte and Atlanta, coverage should reflect how you serve-weeknight small groups, regional conferences, food pantry operations, school partnerships, and seasonal outreach. Strong Tower Insurance works with all denominations and faith communities, including synagogues, mosques, and temples, with policies that scale as ministries add campuses, purchase property, or expand staff.

Ministry Insurance Made Simple

Get A Quote For Your Church

Tell us where you serve-Plant City, Tampa Bay, Lakeland, Orlando, Jacksonville, Atlanta, Charlotte, Nashville, or Birmingham-and what's on your calendar this year. We'll tailor church insurance to your buildings, programs, and budget, then prepare materials your board can review quickly.