Religious and Church Insurance

Faith-based organizations play a valuable role in supporting and uplifting communities. From worship services to youth programs and humanitarian missions, the religious sector embraces a far-reaching duty of care. And at Gallagher, we understand the deep importance of this responsibility. We have served the faith-based sector for more than 50 years, helping to safeguard the people, resources and spaces of our clients around the world, with specializations that include:

Roman Catholic Dioceses, religious orders
Denominations, religious communities and ministries
Mega churches and mega ministries
Faith-based non-governmental organizations
Residential facilities

Ministries for youth, seniors and other vulnerable populations
Mission-sending organizations (missionaries)
Christian camps and schools
Faith-based associations and societies
Faith-based boards and foundations

Tailored religious insurance coverage for your mission

Religious organizations face unique exposures beyond typical business risks. Whether you're overseeing a small local congregation or a network of ministries spanning multiple states, faith-based organizations have complex and specialized needs. Gallagher's dedicated Religious and Church Insurance and Consulting team delivers comprehensive, customized solutions specific to your individual considerations that help the faith-based sector maximize its missions. Key coverages include:

Property and casualty

Property is a substantial part of loss experience for house of worship spaces. Property insurance helps protect religious facilities against damage from fire, natural disasters, aging, vandalism and other risks, while also providing protection against claims of injury or damage caused to others.

Liability insurance

Liability coverage safeguards religious organizations against claims of negligence or misconduct. This insurance protects against general liability, pastoral liability and directors and officers (D&O) liability, ensuring leaders and volunteers are protected from legal and financial repercussions.

Workers compensation

Workers compensation insurance coverage ensures employees and volunteers are covered in the event of work-related injuries, providing financial assistance for medical expenses and lost wages.

Cyber liability

With the increasing reliance on digital platforms, cyber liability insurance is vital for faith-based organizations. This coverage helps mitigate the financial impact of cyber incidents by covering costs related to data recovery, legal fees and notification expenses.

Abuse coverage

Abuse coverage provides protection against claims of abuse or misconduct within the organization and helps manage the financial and legal repercussions of such allegations, ensuring the organization can continue its mission while addressing these serious issues responsibly.

Travel coverage

We offer specialized insurance solutions through Gallagher Charitable that encompass international travel insurance, volunteer insurance, property and liability, kidnap and ransom insurance, and medical and health coverage.

Supporting those who support your community

Your employees and volunteers are the heart of all you do, and we help you to answer a higher calling while taking care of your people. With decades of experience and a deep niche understanding of faith-based issues, our religious benefits consulting practice will help you achieve your goals with world-class people solutions while helping your employees feel more engaged and committed to your organization.

Employee benefits

Employee benefits are crucial for attracting and retaining staff within religious organizations. This coverage includes tailored health, dental, and vision plans that align with the values and needs of faith-based entities, ensuring the wellbeing of employees.

Retirement planning

Our retirement planning solutions provide for employees' financial security, helping them prepare for their future through retirement savings plans that are designed to meet the unique needs of religious institutions.

Wellbeing programs

Wellbeing programs focus on the holistic health of employees in religious organizations. These initiatives include mental health support, financial wellness programs, and other resources that promote overall wellbeing and align with the organization's mission.

Human resources consulting

Human resources consulting provides religious organizations with expert guidance on managing their workforce. This service includes assistance with compliance, policy development, and employee relations, helping organizations create a supportive and effective work environment.

Delivering holistic support through unique products and services

Gallagher is committed to offering solutions that address the diverse needs of religious organizations. In addition to our insurance and benefits products we leverage our experience in risk management, data analytics and human capital strategies to help faith-based institutions achieve their goals while maintaining their mission and values. Our suite of innovative products and services includes:

Enterprise risk management and compliance (ERMC) — A holistic approach that helps religious organizations identify, assess, manage, and monitor risks across all aspects of operations, ensuring they can achieve their purpose while minimizing disruptions and adhering to regulatory requirements.
Claims administration and advocacy — Provides dedicated support throughout the claims process, ensuring efficient handling and resolution of claims to minimize financial impact and disruptions, allowing organizations to focus on their mission.
Alternative risk transfer — Offers creative solutions like pools, captives, trusts, and risk purchasing groups to help religious organizations manage risks and reduce costs by sharing resources and customizing coverage.
Proprietary data and analytics — Uses tools like Core360™ and Gallagher Drive to provide advanced insights and actionable data, helping religious organizations optimize their insurance and risk management strategies for better protection and resource management.
People Strategy Insights — Aligns an organization's people strategy with its mission and values, enhancing workforce engagement and productivity to effectively serve communities and achieve spiritual objectives.
Risk control services — Proactively manages and mitigates risks through thorough assessments, safety training, and customized risk management plans, safeguarding facilities and congregations while ensuring mission continuity.
Pooling and program administration — Enables faith-based organizations to come together in purchasing and sharing risk (property, casualty and benefits). With over 50 years of experience creating such programs, Gallagher demonstrates the power of collaboration, leverage, spread of risk and diversification of coverages, engaging a broader range of risk partners beyond traditional carriers.

Providing ongoing partnership to faith-based organizations

Every faith-based organization deserves insurance and benefits coverage that reflects its values, responsibilities and community role. Our religious and ministry team takes pride in providing an ongoing partnership and delivering strategic solutions that support your continued service and care so we can protect what matters, together.

Peter Persuitti

Global Managing Director, Religious Practice

Rolling Meadows, IL

Phone Number (630) 285-3898

Religious Insurance and Consulting Summary

Deep experience in the religious sector
Consultative approach to client relationships
Data analytics and research tailored to help religious organizations make more informed decisions
Comprehensive people strategies to attract and retain impactful leadership

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Religious and Church Insurance

Serving the religious sector and bringing resources and resiliency to those who minister and guide the mission

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