Church Workers' Compensation Insurance for Staff & Pastors
Church workers' compensation provides medical benefits and partial wage replacement when an employee is injured or becomes ill due to their work. For ministries, that includes pastors, office staff, maintenance teams, daycare teachers, and music directors. In some states it's required; in all cases, it's a practical way to care for your people and protect church finances. Strong Tower Insurance aligns coverage with your roles-from Plant City and Tampa to Orlando and across the Southeast-so leadership teams can approve with confidence.
Caring for Those Who Serve: Why Workers' Comp Matters
Who Is Covered Under Church Workers' Comp?
Employees
Pastors/ministers, administrative staff, custodians, and other paid workers should be covered under workers' comp rather than relying on health insurance alone.
Volunteers
Volunteers are generally not "employees" for workers' comp, but churches can add affordable accident medical coverage for volunteer teams. Strong Tower Insurance will explain options, including how our Volunteer Church Security Program addresses injuries during security incidents.
Common Church Workplace Injuries
Trip-and-fall during a service, a ladder fall while replacing lights, lifting injuries while setting up for events, a preschool teacher hurt on the playground-these are typical claims workers' comp is built to handle. The policy helps with medical bills, rehab, and a portion of lost wages, reducing the burden on employees and the ministry.
Workers' Comp Designed for Ministries
Carriers rate different job classes differently; proper classifications for clergy, clerical, and maintenance roles can reduce premium and avoid audit issues. Policies typically include employer's liability for lawsuits alleging negligence beyond a comp claim. We can also explore pay-as-you-go options and safety resources tailored for churches.
Coordinating Benefits with Care
When someone is hurt, a compassionate claims process matters. Our carriers understand church life and won't rush a pastor or teacher back to work before they're ready. Strong Tower Insurance will coordinate with your administrators and trustees to keep everyone informed from first report through return-to-work.
If you've added staff or expanded ministries in Tampa Bay, Lakeland, or Orlando, it's time to confirm workers' comp limits and classifications. We'll compare carriers that understand church operations and present board-ready options.
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