Church Umbrella Insurance (Excess Liability Coverage)

A church umbrella policy adds an extra layer of liability coverage above your general liability, commercial auto, and employer's liability limits. If a severe claim exceeds those primary limits, excess coverage can step in-helping protect buildings, budgets, and ministries. Strong Tower Insurance helps churches from Plant City to Charlotte right-size umbrella limits for real-world risks.

Extending Protection Beyond Primary Policies

Why an Umbrella Policy for Your Church?

High-Severity Claims

While rare, premises injuries or abuse claims can reach beyond $1M.

Many Ministries, One Campus

Daycares, schools, conferences, and concerts increase exposure.

Auto Exposures

Vans and buses traveling to youth events or retreats raise potential severity.

Cost-Effective

Higher limits are often affordable relative to the protection provided.

How Umbrella Coverage Works

A visitor suffers a life-altering injury and the court awards $1.5M. The GL policy pays $1M; the umbrella pays the remaining $500,000, preventing a budget crisis. Umbrella policies require minimum underlying limits; we'll confirm your GL, auto, and employer's liability meet those thresholds.

Determining the Right Limit

 Consider congregation size, assets (multiple buildings or a school), and activity levels. Smaller churches might select $1-2M; larger ministries may choose $5M or more. Some umbrellas follow form for endorsed exposures; if your GL includes abuse coverage, we'll seek an umbrella that mirrors it where available.

Umbrellas increase dollar limits; they don't create coverage where none exists. That's why it's essential to get primary policies-GL, D&O, auto-configured correctly first. Strong Tower Insurance reviews your portfolio and recommends the order: shore up primary, then add excess.

Umbrella vs. Specialty Coverages