Church Directors & Officers (D&O) Insurance for Leaders and Boards

Church directors and officers insurance helps defend pastors, elders, trustees, and committee leaders against claims tied to governance-alleged mismanagement, failures to follow bylaws, or decisions that affect people or programs. Without D&O, plaintiffs could pursue the personal assets of volunteers and leaders. Strong Tower Insurance helps churches in Plant City, Tampa, Orlando, and across the Southeast put practical D&O in place so leaders can serve confidently.

Protecting Your Leaders and Board Members

What Claims Can Church D&O Address?

Employment-Related

Allegations of wrongful termination, discrimination, or harassment (often packaged with EPLI).

Financial Oversight

Claims of mishandled designated funds or poor stewardship.

Governance Disputes

Members alleging leadership didn't follow procedures or charters.

Third-Party Discrimination

Accusations that an outreach or program treated participants unfairly.

Data/Privacy Add-Ons

Some packages extend to negligence claims arising from a data breach.

Why Churches Need D&O: Practical Examples

Example scenario: After a program change, members allege the board failed to follow voting procedures; D&O funds legal defense.

Example scenario: A donor claims restricted gifts were misapplied; D&O responds to defend trustees and officers.

D&O Policy Features for Ministries

Nonprofit-friendly deductibles, duty-to-defend provisions (insurer appoints counsel), and coverage for past, present, and future leaders-including committee members and volunteers-are common in ministry programs. Select limits that reflect your ministry's size; since most umbrellas don't extend to D&O, the chosen D&O limit stands alone.

Many qualified volunteers ask for D&O before joining a board. Strong Tower Insurance will review your charter, related entities (such as a church-run school), and leadership structure to confirm who's insured and where separate policies may be needed.

Peace of Mind for Those Who Serve