Insurance for Religious Organizations & Churches in Florida

General liability insurance is a type of coverage that protects religious organizations in Florida from claims of third-party allegations relating to bodily injury or property damage. This coverage is essential for any religious organization, as it covers legal and medical expenses if a claim is filed against the church or its staff.



In addition to covering third-party claims, general liability insurance also includes coverage for personal and advertising injuries. This means that if a religious organization is accused of libel, slander, copyright infringement, or other advertising-related offenses, the insurance carrier will help to cover the costs associated with defending and settling the claim.

Finally, general liability insurance also provides coverage for medical payments. This coverage pays regardless of fault and can help to cover the costs associated with treating an injured third party.

Pastors and ministers in Florida are often called upon to provide counseling services to members of their congregation. To protect against potential claims arising from these counseling sessions, religious organizations should purchase minister/pastor counseling liability insurance.



This coverage provides protection in the event that a former client alleges that the counseling services provided by the pastor or minister were inadequate and resulted in harm. It also provides coverage for any legal fees associated with defending against such allegations.

Since religious freedoms are protected under the law in Florida, religious organizations should consider purchasing religious freedom insurance. This coverage provides protection for organizations that may be targeted due to their religious beliefs, such as churches that are sued for refusing to perform same-sex weddings.



The coverage can help to pay for legal expenses associated with defending against such lawsuits, as well as any awards that may be granted by the court. Additionally, religious freedom insurance policies often include public relations services to help provide guidance during the course of a legal dispute.

Employee theft insurance is a type of coverage that can help protect religious organizations in Florida from losses resulting from employee dishonesty. This coverage reimburses any losses that arise from theft, embezzlement, or other fraudulent activities committed by employees.



Having employee theft insurance in place can help to protect a religious organization’s assets and provide peace of mind that its finances are secure.

Professional liability coverage—also known as “errors and omissions” insurance—is designed to provide protection in the event of a claim of negligence. This type of coverage is important for religious organizations, as it helps to protect the organization from claims of malpractice, mismanagement, or breach of fiduciary duty.



Professional liability insurance is especially important for organizations in which the staff provides counseling, advice, and other forms of professional services. While general liability insurance covers third-party claims relating to bodily injury and property damage, professional liability insurance covers claims related to the services offered by the organization.

Workers’ compensation insurance is a type of coverage that helps to pay for medical costs and lost wages if an employee is injured while on the job. In Florida, workers’ compensation is required for all employers with four or more employees, including religious organizations.

Workers’ compensation insurance helps to cover medical bills, lost wages, and other expenses associated with an employee’s injury, such as rehabilitation costs. Additionally, it protects employers from lawsuits related to workplace injuries, making it essential coverage for any religious organization in Florida.

Auto insurance is a type of coverage that protects religious organizations in Florida from financial losses related to accidents involving vehicles owned by the organization. This type of coverage typically provides protection for third-party claims related to bodily injury and property damage caused by a vehicle owned or operated by the organization.



Auto insurance also provides coverage for vehicle damage due to accidents, theft, and other perils. Additionally, if an employee of a religious organization is using a personal vehicle for business purposes, the organization’s auto insurance policy may provide coverage if an accident occurs.

Employment practices liability insurance (EPLI) provides protection for religious organizations in Florida from claims related to wrongful termination, discrimination, sexual harassment, and other employment-related issues. This type of coverage can help to pay for legal expenses associated with defending or settling a claim and can also provide coverage for financial losses related to an adverse employment-related decision.



EPLI coverage is essential for any religious organization in Florida, as it can help to protect the organization from expensive legal claims and provide financial relief in the event of a settlement.

Property insurance is a type of coverage that helps to protect religious organizations in Florida from financial losses related to damage or destruction of property. This type of coverage typically covers damage due to fire, vandalism, and other perils. In addition, some policies may provide coverage for lost income due to the temporary closure of a facility.



Property insurance can help to ensure that a religious organization in Florida is able to repair or replace damaged property and maintain its operations following a loss.

Umbrella insurance is supplemental coverage that provides additional protection beyond the limits of an organization’s existing liability policies. This type of coverage can provide additional protection for claims related to personal injury, wrongful acts, libel or slander, and other legal actions.



In addition, umbrella insurance can provide coverage when an organization’s other policies are exhausted. This makes it an essential type of coverage for any religious organization in Florida, as it can provide added protection against financial losses.

Cyber liability insurance is a type of coverage specifically designed to help protect religious organizations in Florida from financial losses related to data breaches and other cyber-related incidents. This type of coverage typically provides protection for losses related to the theft or destruction of data, as well as costs associated with notifying affected individuals, repairing IT systems, and restoring data.



Given the prevalence of cyber threats today, it is essential for any religious organization in Florida to have cyber liability insurance in order to ensure they are properly protected against these risks.

With so many different types of insurance available, it can be difficult to determine which ones are right for your religious organization in Florida. Working with an experienced insurance agent or broker can help to ensure that you have the right coverage for your organization’s needs. They will be able to assess your risks and help you select the policies that are best suited for your organization.



Bellken Insurance Group is a trusted Florida insurance agency that specializes in providing coverage for religious organizations. Contact us today to learn more about how we can help you secure the right insurance for your organization.